how to write an accident report for insurance

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How to Write a Motor Vehicle Accident Report

Last Updated: December 12, 2023 Approved

Gathering Information

Describing the incident, diagramming the scene, sample accident report, expert q&a.

This article was co-authored by Lahaina Araneta, JD and by wikiHow staff writer, Jennifer Mueller, JD . Lahaina Araneta, Esq. is an Immigration Attorney for Orange County, California with over 6 years of experience. She received her JD from Loyola Law School in 2012. In law school, she participated in the immigrant justice practicum and served as a volunteer with several nonprofit agencies. There are 7 references cited in this article, which can be found at the bottom of the page. wikiHow marks an article as reader-approved once it receives enough positive feedback. In this case, several readers have written to tell us that this article was helpful to them, earning it our reader-approved status. This article has been viewed 505,294 times.

Typically when you're in an accident on the road, the police will complete a police report describing the accident. However, in some cases you may need to submit your own report, either to your insurance company or your state's DMV. If you need to write a motor vehicle report, take time to gather accurate information so you can describe the incident with as much detail as possible. [1] X Research source

Things You Should Know

• Copy down the driver's license, vehicle, and insurance information from the other driver. Get contact information for any witnesses, as well.
• Explain what happened and who was involved, including the location and nature of the accident as well as any injuries or property damage.
• Take photos and/or create a diagram of the scene that shows what happened.

• Check to make sure that there are no injuries. If someone is hurt, call for help first before trying to get their information.
• Get the other driver's license. Write down their name, home address, birth date, and gender. You'll also want the name of the state that issued their license, their license number, and the date it expires. Give them this information for yourself as well.
• If the other driver does not have insurance or identification, call the police. Tell the police that you cannot get the required legal documents of the other driver. They will come out and handle the situation.

• Write down specifics about where there is damage. For example, you might say "Sedan has broken bumper and dent in the rear quarter panel."
• Take down the license tag number for all the vehicles, along with the name of the state. You also might want to make note of the vehicle's VINs (vehicle identification numbers) for insurance purposes.

• If you get their phone number, make a note of when is the best time to reach them at that number.

• Take your photos as soon as possible after the accident occurs, so the light and weather conditions are similar. Photograph the scene from multiple angles if it is possible for you to do this safely.
• You also might want to take pictures of all the people involved in the accident. These can be helpful later if someone claims an injury later when they seemed fine at the scene.
• If you were injured, take pictures of your injuries as soon as possible – ideally, before they are treated by a medical professional.

• It's best to get a statement from a witness at the scene, and then get their phone number in case you need to follow up with them later. Many witnesses won't come forward after the accident. If possible, take a video or audio recording on your phone of their statement.
• Write down exactly where they were when the accident occurred. If possible, take pictures of the scene from where they were standing, so you have an image of their vantage point. If there are any signs, posts, trees, or other objects obscuring their line of sight, make a note of those as well.

• You'll also need the same information for any other drivers who were involved in the accident. If there were passengers or pedestrians also involved in the accident, provide their names, ages, and genders.
• Get numbers of first-responder vehicles and the names and badge numbers of first responders, if possible.

• Your city or state may have a specific form for you to fill out that includes spaces for specific details, such as the weather, light, and road conditions.
• If you don't remember the conditions and weren't able to take any photos, leave these details blank – don't just guess or look up an old weather report. You need to be able to vouch for every detail included in your report.
• Provide any photos or videos you have showing the conditions at the time of the accident to support your case.

• For example, if the accident occurred on the interstate, you would need to note the name and direction of the interstate as well as the mile markers or any exits before and after the accident. Include the estimated distance from the nearest marker.
• On city streets, you also might want to include any landmarks. Describe the street, including whether there is a sidewalk or bike lane.
• If any other property was involved, describe it as well as where it is relative to the street.

• For example, suppose the other driver rolled through an intersection and hit the side of your car while you had the right of way. You can say that you had the right of way – that's a fact. However, a statement such as "the other driver wasn't paying attention" would be an opinion.
• If there are gaps in your memory or specific details you don't remember, state in your report that you don't remember. That way you can fill in the detail later if your memory returns.
• If there were pedestrians involved, describe what they were doing. For example, the pedestrian may have been crossing the street in the sidewalk, or may have run out in traffic to retrieve something.

• You also might want to describe where they were located relative to the scene of the accident and what they saw. For example, the person may have been standing on the corner waiting to cross the street when the accident happened, or they may have come over afterward.
• If you managed to get a video or recording of the witness, include it in your report. If the witness doesn't come forward, this recording can act as evidence instead.

• If you or anyone else called 911, give an approximate time that call took place and describe who showed up at the scene.
• If paramedics arrived, discuss whether anyone was treated at the scene or transported to a hospital for further treatment.

• Provide a rough estimate of property damage or damage to vehicles involved in the crash. You should state specifically if you believe a vehicle to be totaled.
• If there were any fatalities as a result of the accident, list them separately. Include the name, age, and gender of anyone injured, and classify the severity of their injuries as best you can. Describe where on the body the injury was located and the person's role in the accident. If they were immediately transported to a hospital, provide the name of the hospital where they were taken.

• Just stick to the specific road or other area where the accident took place. There's no need to include adjoining blocks or side streets if they weren't directly involved in the accident.
• Make sure you have the correct number of lanes and that any traffic lights or signs are marked correctly.

• For example, suppose the accident occurred at an intersection. You were heading north, while the other car was headed west. Draw an arrow for the cars to indicate the direction in which they're traveling, and write out each of the directions along the four sides of your drawing.

• If there were other cars nearby that weren't involved in the accident, you can still draw boxes for them if you want, but don't worry about getting too detailed. Other cars are only really important to the extent that they affected the ability of you or the other driver to avoid the accident.

• If the speed the cars were traveling is in dispute, make a note of this on your report, but keep your reported facts objective. If you thought the driver of the other car was going faster than they claimed they were going, simply say it appeared they were going one speed, but they claim they were going another speed.

• If they were in another vehicle but were not involved in the accident, draw a box to represent their vehicle and put their "X" inside. Note if they were a passenger or driver of the vehicle, and where they were seated.
• If a witness's view was partially obstructed, include whatever obstructed their view in your diagram.

• After you sign and date your accident report, make a copy of it for your records before you submit it to the relevant authorities.
• Generally you want to submit your accident report as soon as possible after the accident occurred. Check with the company or department where you need to send your report and find out if there's a deadline you must meet.

You Might Also Like

• ↑ https://www.dmv.org/insurance/when-to-report-an-auto-accident-to-the-dmv.php
• ↑ https://www.dmv.ca.gov/web/eng_pdf/sr1.pdf
• ↑ https://www.findlaw.com/injury/car-accidents/after-a-car-accident-first-steps.html
• ↑ https://www.oregon.gov/ODOT/Forms/DMV/32fill.pdf
• ↑ https://dmv.ny.gov/forms/mv104.pdf
• ↑ https://thelawdictionary.org/article/how-to-write-an-accident-report/
• ↑ https://dmv.ny.gov/forms/mv104.pdf/

About This Article

To write a motor vehicle accident report, start by getting the other driver’s name and insurance information. You should also write down information about their vehicle, including the year, make, model, color, and license plate number, as well as a description of the damage. For example, you might say "Sedan has broken bumper and dent in the rear quarter panel." If you have a camera or smart phone, take pictures of the vehicle damage, the surrounding area, and any injuries so you can describe the incident in your report in as much detail as possible. For more tips from our legal co-author, like how to make a diagram of the accident, keep reading! Did this summary help you? Yes No

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How to Give a Recorded Statement to the Insurance Company After a Car Accident

You’ve recently been in a crash and need to talk to your auto insurance company. You tell the insurance agent or adjuster what happened. Then they ask you to give a statement about the accident that will be recorded for legal purposes.

Do you give a recorded statement? Should you not?

Here’s what we, a personal injury law firm that constantly interacts with insurance adjusters, recommend that you do when reporting a wreck to the insurance company.

What Is a Recorded Statement?

A recorded statement for an insurance claim is used by the insurance company to better understand what happened in the accident to determine how much coverage needs to be applied.

Why does the insurance company want a recorded statement? The statement that you provide will be transcribed and written down as fact, which can be used later against you if you are not careful.

The insurance adjuster speaking with you may be warm and pleasant or cold and formal. To them, you are just another name and number in a file they need to process as quickly as possible.

The adjuster may try to trap you with vague or specific questions that you don’t have definitive answers for to make you sound uncertain and therefore cast your claim as unreliable. The insurance companies craft these questions to get you to include information you are not legally obligated to disclose at that time (such as medications you take or past medical history).

Do You Have to Give a Recorded Statement?

Nearly every personal injury attorney will agree that giving a recorded statement is not in your best interest.

If your injury claim is against another person’s insurance company, you don’t have to submit a recorded statement. If the claim is with your own insurance, there will likely be a clause in your policy requiring that you cooperate with the investigation into your claim. Turning to your own insurance may happen if the driver who hit you has the same insurance, is uninsured, or fled the scene of the wreck. Should this be the case, you may have no choice but to cooperate and give a recorded statement.

Even if you weren’t found at fault for the accident or feel like you have nothing to hide, you need to be careful. The insurance company could use your recorded statement against you in a variety of ways to undermine your claim:

• Inconsistent Story: Everything you say in the recorded statement will be compared to what you told law enforcement at the scene and witness statements. The insurance company will go after any inconsistencies between what you said at the scene of the wreck and what you tell them later.
• Downplaying the Severity of Your Injuries: The insurance company may ask where you feel pain or what part of your body was injured in the crash. The way you answer these questions may be used against you later on (i.e., forgetting an injury, saying you felt fine after the wreck, etc.).
• Too Much Information: Even though the claims adjuster may sound friendly and helpful, they are paid and directed to resolve your claim for the lowest amount possible. They will try to get you to divulge information about prior injuries and other activities to discredit and devalue your claim.

If the insurance adjuster insists that they require a recorded statement before proceeding to the next part of the conversation, politely end the call there and contact an attorney. Let them determine if you need to provide a statement and what the terms of the recorded statement will be.

When Talking to Your Insurance Agent...

Contact your insurance company as soon as you are able after an accident, regardless of whether you plan to file a personal injury, diminished value , other any other type of claim with them. Notifying the insurance company is part of your agreement with them.

Telling the insurance company about the accident right away means that they can’t argue later on that you delayed telling them because the crash wasn’t that serious. Putting your insurance company on alert also protects you in case the at-fault driver’s insurance information turns out to be false or nonexistent. If you wait to notify your insurance company, you could be putting your coverage in jeopardy.

Document the names and phone numbers of everyone that you speak with at the insurance company in case you need to contact them again or refer back to what they told you.

Your insurance company may require a recorded statement. Most insurance contracts require that you cooperate fully with their investigation of the claim, including providing a recorded interview. However, if you are injured, it is highly recommended you have an attorney present or on the phone with you during this recorded statement.

When Talking to the At-Fault Party’s Insurance Company...

Have your attorney notify the other party’s insurance company about the wreck. If you do not have an attorney, you must notify them yourself.

Within days of filing a claim, expect an insurance adjuster to call you. Give them the basics about what happened in the wreck. Do not consent to give a recorded statement until you speak with a car accident lawyer about your case.

If you were hurt in the wreck, you can disclose this to the insurance company. Avoid going into detail as you do not know the full extent of your injuries and medical bills yet. It is also important to let them know the location of your vehicle so they can send a property damage appraiser to look at it to assess the repair costs.

Do not sign anything until you have had an attorney review it. This includes any property damage releases or requests to access your medical records. Your lawyer can provide them with all of the relevant medical records once you have completed treatment.

During a Recorded Statement, Watch What You Say

After you file a car accident claim, the adjuster will call you. If you agree to provide a statement, the adjuster will usually let you speak without interruption to get your side of the event.

Once you tell them what happened, they will start asking questions designed to catch inconsistencies in your story. Beware of leading or clarifying statements such as “It sounds like you were a little distracted” or “Thank goodness your injury didn’t turn out as bad as you thought.”

It is important to stick to the facts. Don’t rant or complain as this may weaken your claim. Avoid revealing things about your personal life. Doing so could give the adjuster ammunition to claim you were distracted by your problems, which caused the accident, or that you’re desperate for a quick settlement because you need the money now.

Prepare Your Statement Ahead of Time

If you give a recorded statement, prepare an outline beforehand with the facts of your claim. Once you give a statement, you can’t undo it, revise it, or take it back. Anything you have said is now part of your claim. Should the adjuster ask you to give a statement before you’re ready, say you’re busy and would like to reschedule.

Review the details leading up to the crash, the crash itself, and how the incident has affected your life. Keep everything in chronological order to make it easier to reference and remember.

Contact Our Experienced Georgia Car Accident Lawyers

If you’ve been injured in a car accident and the insurance company is pressuring you to provide a recorded statement, contact Gary Martin Hays & Associates.

We are available to protect your rights and recover the maximum compensation you deserve. Call our Atlanta personal injury attorneys today for a free consultation .

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Law Offices of Gary Martin Hays & Associates, P.C. 3098 Breckinridge Blvd Duluth, GA 30096 Phone: (770) 934-8000 Fax: (770) 934-1631

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Law Offices of Gary Martin Hays & Associates, P.C. 75 Ponce De Leon Ave NE Ste 101 Atlanta, GA 30308 Phone: (470) 294-1674

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Law Offices of Gary Martin Hays & Associates, P.C. 6830 Main St Lithonia, GA 30058 Phone: (470) 294-1660

College Park Office

Law Offices of Gary Martin Hays & Associates, P.C. 5640 Old National Hwy College Park, GA 30349 Phone: (470) 294-1665

Marietta Office

Law Offices of Gary Martin Hays & Associates, P.C. 2372 Austell Rd SW Marietta, GA 30008 Phone: (678) 495-0114

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Law Offices of Gary Martin Hays & Associates, P.C. 1016 Thompson Bridge Rd Gainesville, GA 30501 Phone: (678) 334-0035

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How to Report Accident to Insurance Efficiently

Just had a car accident? You’re likely wondering how to report the incident to your insurance without delays or hassle. This article cuts to the chase, providing you with a direct, step-by-step breakdown of how to report the accident to insurance. Find out exactly what to do first, what information you need, and how to navigate the claims process so you can focus on what matters—your recovery and peace of mind.

Immediate Steps to Notify Your Insurance After an Accident

After the dust settles and you’ve ensured everyone’s safety, it’s time to reach out to your insurance company. Yes, even before you’ve had that much-needed coffee! It’s of utmost importance to promptly report the car accident to your insurance company. But it’s not just about giving them a call; there are specific steps to follow to ensure the process goes smoothly.

Safety First: Secure the Accident Scene

Securing the accident scene is a priority before you delve into insurance claims. Here are some steps to follow:

• Turn off your engine to prevent any additional hazards.
• Activate your vehicle’s hazard lights to signal to other drivers that there has been an accident.
• If available, use road flares from your emergency car kit to further alert traffic.

Essentially, your goal here is to make the car crash scene as safe as possible for everyone involved.

Contacting Your Insurance Provider

With the scene secure, you should then contact your insurance provider. You can initiate your car insurance claim via phone or using the insurance company’s mobile app if available. This critical step starts the claims process and allows you to provide your insurance agent with immediate details about the incident.

Whether you use a mobile app or go old school with a phone call, the goal is the same: reporting car accidents quickly and conveniently.

Documentation for Your Insurance Claim

When it comes to filing your claim , think of yourself as a detective. Your mission? To gather comprehensive evidence . This includes items like police reports and medical records, which will help establish fault and document injuries. Incomplete evidence may weaken your insurance claim and potentially affect your compensation recovery.

Thus, it’s the moment to adopt a detective’s mindset and start accumulating evidence.

Capture the Scene: Photos & Notes

Your smartphone is your best friend here. Use it to take detailed photos of the accident scene , covering multiple angles and perspectives to accurately show the extent of the damage and the overall scene. But don’t just focus on the vehicles; also photograph any damaged stationary objects, such as street signs or guardrails.

And remember, photos aren’t enough. Write down the exact location of the accident and the driving conditions, as these details are critical when reporting the incident to insurance companies.

Obtaining a Police Report

A police report is not just a piece of paper; it’s a critical piece of evidence. It’s often necessary for processing insurance claims and can serve as key evidence in court or when obtaining medical records related to the car accident. Some insurance companies won’t even pay claims without one.

To secure a police report , submit a request through the relevant police department’s website or make a direct inquiry. Remember, failing to contact the authorities right away can lead to the loss of crucial reports that are essential for filing a comprehensive insurance claim.

Exchanging Information with Other Parties Involved

With your evidence in hand, the next step is to exchange information with the other parties involved in the collision. This doesn’t mean starting a friendly chat about the weather; it’s about gathering crucial data. It may feel like an awkward conversation to have, but keep in mind that it’s an essential part of the process.

Driver and Vehicle Details

First on your data gathering list: the other driver’s full legal name, address, phone number, and email. Then, move on to their driver’s insurance company name and policy number, which is essentially the other driver’s insurance company. Don’t forget about the vehicles involved in the accident; you’ll need to record the make, model, color, and license plate number. And lastly, note down the precise location where the accident occurred, as this can be crucial for claims and legal purposes.

Witness Statements

Witnesses can be your secret weapon when it comes to filing an insurance claim. Their independent account of the accident helps in reconstructing the events and determining liability. Collect the names and contact details of witnesses at the scene, and try to get their observations of what they saw and heard before, during, and after the collision.

But remember, approach them courteously and promptly; they’re doing you a favor by providing this information.

Filing the Insurance Claim

Once you’ve gathered your evidence and exchanged information, you can proceed with filing your insurance claim. This involves contacting your insurance agent to report the accident and provide basic details. It’s not just about making a call; you’ll need to provide detailed information about the accident, such as the time and date, location, and the vehicles involved.

Then, document the losses from the accident with a detailed list, and support your claim with photos and videos.

Initiating the Claims Process

Before you dive into the claims process, there are a couple of things you need to know. Understanding the deadline for filing a claim and the expected timeline for the case are critical first steps. When you contact your insurance provider to initiate a claim, inquire about the deadline for filing and when you can expect to hear about the case.

And remember, obtaining names and phone numbers of witnesses at the scene can be very beneficial; recorded statements can be particularly valuable if witnesses can’t be present at a later date.

Dealing with Insurance Adjusters

Now comes the tricky part: dealing with insurance adjusters . You see, insurance adjusters are trained to negotiate settlements and may aim to minimize the payout. So, it’s crucial to document all property damage thoroughly to provide accurate information for the insurance adjuster’s assessment.

Remember to:

• Review all incident-related evidence
• Be prepared to give a recorded statement, making sure to retain a copy of the recording and the transcript
• Consult with an attorney before agreeing to undergo a medical exam, to ensure the request is reasonable.

Understanding Coverage and Assessing Damages

Understanding your policy coverage and accurately assessing damages is like solving a puzzle. It’s about figuring out what expenses your insurance is responsible for and how to calculate those costs accurately. This means checking for both visible and underlying damages to your vehicle, as well as calculating your medical expenses based on actual healthcare costs and services received.

Comprehending Your Policy

Navigating through the specifics of your policy may feel like exploring a labyrinth. But don’t fret; we’re here to help you every step of the way. Auto insurance policies provided by different companies, including yours, blend mandatory coverages mandated by law and a range of optional protections customized to your needs and budget. And in the unfortunate event of needing to report an accident to insurance, we’ll assist you promptly.

Understanding these different coverages, from Bodily Injury and Property Damage Liability to Collision and Comprehensive coverages, can help you determine what your insurance is responsible for.

Evaluating Property Damage and Medical Bills

Evaluating property damage and medical bills isn’t just about eyeballing the damage to your car or adding up your hospital bills. Insurance companies may choose to replace, repair, or pay cash for a damaged vehicle, with the settlement reflecting comparable replacement costs or the vehicle’s retail value.

On the medical side, keep detailed records of all medical treatments, from immediate care to any follow-up visits, as these records will support your medical expenses claims.

The Role of Third-Party Insurance Claims

You’ve probably heard the term “third-party insurance claim” and wondered what it means. Well, a third-party insurance claim is a claim for recovery from the responsible party’s insurance company when you’re not at fault. In contrast, a first-party claim is filed with your own insurance company.

Sounds simple, right? But there’s more to it, especially when you’re dealing with insurance adjusters during third-party claims.

Legal Considerations Post-Accident

Post-accident legal considerations may feel overwhelming, akin to a minefield, but it doesn’t have to be that way. Hiring a car accident lawyer as soon as possible after an accident can help protect your rights. And the best part? Most car accident attorneys work on a contingency fee, which can facilitate access to legal representation without upfront costs.

When to Consult a Car Accident Lawyer

So, when should you consult a car accident lawyer? Well, before providing statements, it is a good start. Engaging legal support quickly is important because insurance companies may not always prioritize the victim’s interests, and legal action might be required against the other driver.

Delaying the decision to contact a personal injury lawyer and report a car accident to your insurance company may result in lower compensation from insurance providers. And remember, car accident lawyers located at 401 N Michigan Ave Suite 820, Chicago, IL 60611, United States, are available for legal counsel.

Catastrophic Injury Cases

Catastrophic injury cases are, well, catastrophic. They can turn your life upside down in an instant. But you don’t have to navigate this challenging time alone. Catastrophic injury cases are one of the specialized practice areas managed by our law firm in Chicago. So, you’ll be in good hands.

Navigating the Settlement and Appeals Process

Finding your way through the settlement and appeals process may feel as challenging as navigating a labyrinth. But with the right guidance, you can make it through. Be cautious of a quick settlement offer, as it may be an attempt to lowball you, potentially resulting in compensation that is less than the damages merit. Remember, settlements are typically paid in a lump sum, but structured settlements allow for payments over time with fixed terms that cannot be altered later.

Time Limits and Reporting Requirements

Time is of the essence when it comes to filing an insurance claim. In Illinois, car accidents should be reported within up to 30 days of the occurrence. Remember, immediate loss reporting is mandated by auto insurance policies, which might also require submission of a sworn proof of loss within 91 days.

So, don’t delay; the clock is ticking.

Avoiding Common Mistakes When Reporting to Insurance

Avoiding mistakes is paramount, particularly when the matter is as serious as reporting a car accident to insurance. But the truth is, mistakes can easily be made. From not collecting all pertinent information following an accident to sharing details over social media or text messages that should be included in the documentation process for an insurance claim, dealing with the at fault driver’s insurance can be a complex process.

So, stay vigilant, and you’ll be one step closer to avoiding these common pitfalls.

Contact a Chicago Car Accident Lawyer

Reporting a car accident to your insurance provider can be a smooth process if you take the right steps. Prioritize safety, report the incident to your provider promptly, gather evidence, understand your policy coverage, assess damages accurately, and seek legal counsel if necessary. Remember to be mindful of time limits and reporting requirements. By following these steps, you can secure the compensation you deserve.

At JJ Legal, our Chicago car accident lawyers will review your case and your questions. You’re under no obligation to hire us after your initial meeting. For more information, contact us online or call us at 312-200-2000  for a free case review, and let our team start helping you today.

Related Posts: 

• How To Read A Police Accident Report in Chicago
• Who Pays For Medical Bills After A Car Accident?
• Guide To When a Car Accident Claim Exceeds Insurance Limits

Frequently Asked Questions

When should i report a car accident to my insurance company.

You should report a car accident to your insurance company as soon as possible, ideally within 24 hours of the incident. It’s important to notify them promptly to ensure a smooth claims process.

What information should I exchange with the other driver after a car accident?

After a car accident, you should exchange full legal names, addresses, phone numbers, emails, insurance company names, and policy numbers with the other driver. This information is essential for processing insurance claims and contacting each other regarding the accident.

What type of evidence is crucial for an insurance claim?

Comprehensive evidence, including police reports, medical records, accident scene photos, and witness statements, is crucial for an insurance claim.

When should I consult a car accident lawyer?

You should consult a car accident lawyer before providing statements or agreeing to medical exams to protect your legal rights.

What are the time limits for reporting a car accident in Illinois?

You should report a car accident in Illinois within 30 days from the occurrence. It is important to adhere to this time limit to ensure proper documentation and processing of the incident.

Categories: Car Accident

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How to Report an Accident to Insurance

Last Updated: May 25, 2021 References

This article was written by Jennifer Mueller, JD . Jennifer Mueller is an in-house legal expert at wikiHow. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. She received her JD from Indiana University Maurer School of Law in 2006. There are 7 references cited in this article, which can be found at the bottom of the page. This article has been viewed 21,932 times.

If you're involved in a car accident, you need to report the accident to the responsible party's insurance company. If the other driver is at fault, or if you don't have comprehensive or collision insurance, you'll likely be reporting to the other driver's insurance company. Otherwise, you'll be filing a report and opening a claim with your own insurance company. Provided you aren't significantly injured, try to gather as much evidence as possible at the scene of the accident before contacting the insurance company. [1] X Research source

Collecting Information at the Scene

• If anyone is injured, you should always call the police immediately. Even for minor fender benders, you still want to call the police. Some states require you to file a police report if there is any damage at all to either vehicle.
• Avoid moving any person who is seriously injured, unless they are in immediate danger.

• Photos can also be used to support your claims, if the other driver later disputes your report to the insurance company.
• Photos also preserve the scene of the accident, and may reveal details that you didn't notice during the trauma of the immediate aftermath. For example, you may see security cameras that could have filmed the accident.

• Ideally, you want to exchange driver's license numbers, addresses, and phone numbers. If the other driver is uncomfortable giving you this information directly, it will be included on the police report.
• You should also take down the license tag number and vehicle identification number (VIN) of any other vehicles involved in the accident.

• Write down a brief description of what they saw, and ask if they would be willing to let you give their names and contact information to the insurance company.

• Get down the officer's name and badge number. If you're picking up a copy of the police report later, ask for a report number or incident number so that you can request the report at the station.

• Include details such as the weather and visibility when the accident occurred.
• It can also help to draw a basic sketch of the roadway, including any traffic lights or signs. Be sure to include any fences or bushes that might have obstructed drivers' views of the road.

Reporting to Your Insurance Company

• Most insurance companies require you to report an accident within 24 hours. Even if you plan on calling the other driver's insurance company, it's still in your best interests to call your insurance company so they can't later accuse you of trying to hide the accident from them.
• Many insurance companies provide mobile phone apps that allow you to quickly and easily report an accident, and even submit pictures that you took on the scene. Check your insurance company's website to see if they have a mobile app available.

• If there are injuries to passengers or to the other driver, say that there are injuries, but don't go into detail. Leave those details for the doctors who examine and treat those people.

• The mechanic will make an estimate of the cost of repairs the car needs. Your insurance company may send out an adjuster to further evaluate the damage, or may request that the car be sent to another mechanic for a second estimate.

• Even though your adjuster may be friendly and empathetic, they are working for the insurance company, not for you. They don't represent your interests – their job is to protect the insurance company's bottom line.
• The adjuster may offer you an early settlement. Be wary of taking an early settlement, particularly if you have injuries and are still receiving medical treatment.

Reporting to the Other Driver's Insurance Company

• Many states have comparative fault laws which apportion fault between the two drivers in an auto accident. If this is the case in your state, the other driver may not be 100 percent at fault. For example, the officer may determine that the other driver is 80 percent at fault and you are 20 percent at fault. The other driver's insurance company is only responsible for 80 percent of your damage.
• Your insurance company only covers damage to your vehicle not covered by the other driver's insurance company if you carry collision insurance. If your car is financed, you likely are required to carry collision coverage.

• Look for a number for third-party insurance claims. It may be a different number than the number a policy holder would call to report an accident.

• You should have gotten these details from the other driver on the scene. If you were unable to do so, this information should be included on the police report.

• Answer any questions you are asked, but don't volunteer information. You might say something that would cause them to deny the claim.

• They typically have to do this at a time and place that is convenient for you, but you also have to do your part to make your vehicle available to them.

• If you have any questions or concerns about the questions you're being asked, you may want to talk to a personal injury attorney.

Expert Q&A

• The process for reporting an accident to insurance is fairly similar if you have a homeowner's or renter's insurance claim due to an accident at your home. If someone is injured at your home, go ahead and report the accident even if the injuries seem minor. Thanks Helpful 0 Not Helpful 0
• Some drivers may try to convince you that you don't need to report a minor accident. Damages or injuries resulting from the accident may not appear until 2 or 3 days later. The only time you can avoid reporting an accident to insurance is if you have a low-speed accident on your own property that produces minimal damage. [18] X Trustworthy Source Consumer Reports Nonprofit organization dedicated to consumer advocacy and product testing Go to source Thanks Helpful 0 Not Helpful 0
• Especially if you're injured, refuse any early settlement offers made by the insurance company. You can always schedule a free initial consultation with a personal injury attorney to review your claim and the offer you've received. [19] X Research source Thanks Helpful 0 Not Helpful 0

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• ↑ http://injury.findlaw.com/accident-injury-law/insurance-claims-after-an-accident-the-basics.html
• ↑ https://wallethub.com/edu/after-car-accident/12090/
• ↑ http://statelaws.findlaw.com/new-york-law/your-new-york-car-accident-the-basics.html
• ↑ http://injury.findlaw.com/car-accidents/how-to-report-an-accident-to-insurance.html
• ↑ http://www.state.nj.us/dobi/ins_ombudsman/wysk1.htm
• ↑ http://www.state.nj.us/dobi/ins_ombudsman/wysk2.htm
• ↑ https://www.consumerreports.org/cro/news/2013/07/when-to-report-a-car-accident-to-an-insurance-company/index.htm

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• Accident Investigation Report

Accident Investigation Report Templates

Quickly capture all important information surrounding an accident using powerful accident investigation report templates.

Accident Investigation Report Template

• Eliminate paperwork with digital checklists
• Generate reports from completed checklists
• Free to use for up to 10 users

This accident investigation report template is used to determine the root cause of the accident to prevent future accidents. Safety officers and workplace supervisors can use this accident investigation form during accident investigations. With SafetyCulture, you are empowered to:

• Gather information regarding people involved in the accident.
• Record accident details and describe consequences.
• Take optional photos for more context.
• Record witness statements if applicable.
• Recommend actions to avoid accident reoccurrence.

You can download this sample template and the other investigation report templates as PDF, CSV, Excel, or Word if you prefer. We do encourage you, however, to give the digital templates a try for you to reap the full benefits of using a digital accident investigation report form on the SafetyCulture app.

What is an Accident Investigation Report Template?

An accident investigation report template is a tool used by safety officers and investigators to collect information during an accident investigation. In a workplace setting, supervisors or managers perform accident investigations to help determine the cost of damage, support insurance claim investigations, and improve workplace safety by helping prevent accident reoccurrence.

How to Write an Accident Investigation Report

A good accident investigation report should focus on factual details about the accident. The objective of the report is to inform the readers of accurate information about the accident.

Below are tips you can follow in writing a good accident investigation report:

1. Avoid writing opinions.

Clearly detail the incident with facts and evidence. This will help the safety officer be well-informed about what happened and assess what kind of next steps to take.

Some examples of the basic details you must include are the following:

• Full name and age of the employee
• Date, time, and location of the incident
• Reason why the incident happened
• Incurred injuries
• Consequences of the accident
• Full name and statement of the witness
• Recommendations to avoid accident recurrence

2. Attach photo evidence.

Providing such is a must as this serves as visual proof of the accident. This is crucial for those who will check the report to get a better glimpse of the incident.

3. Provide important information.

To better provide context about the accident, answer the following W-questions:

• When did the accident occur?
• Who were the involved parties?
• Where was the location of the accident?
• What are the details of the accident?
• Why did the accident happen?
• What are the consequences of the accident?

4. Validate the report.

Finally, supervisors and witnesses must sign off the accident report. This should include their full name, contact information, statement, recommendations, and signatures.

Here’s an accident investigation report sample in PDF. This sample followed the tips on how to write a good accident investigation report and included photos for additional context on the events surrounding an accident.

Accident Investigation Report Sample PDF | SafetyCulture  

What to Include in an Accident Investigation Report

To guide you better in creating and using an accident investigation report template, here are the basic details and sections you must include:

• Title Page – briefly discusses the department, full name, and age of the employee, as well as the date and time that the investigation was conducted
• General Information – includes the employee’s photo of identification, date, time, and location of the incident, and if there are other people involved
• Accident Report – describes the details of the accident itself, the possible or obvious reasons why it happened, and the incurred injuries (if any)
• Witness/es – specifies the witness’s name and statement about the incident
• Completion – section for the supervisor to provide recommendations and sign off the report

In addition to the tips and questions outlined above, an accident investigation checklist must ask the following questions:

• Are there other people involved?
• Did the employee leave work?
• Are there any witnesses?

FAQs about Accident Investigation Reports

How should you conduct an accident investigation.

To conduct an efficient accident investigation, be guided by the following:

• Report the accident based on your organization’s policies.
• Immediately investigate what happened.
• Study the possible root cause/s of the incident.
• Diligently record your factual account of what happened in a detailed report.
• Include specific corrective and preventive actions and other recommendations.
• Establish a way to monitor the progress of such recommendations.
• Continuously improve your health and safety measures for the organization.

What makes a good accident investigation report?

A good accident investigation report describes the facts in full detail and includes the date and time that an accident occurred, the order in which things happened, and what caused it. At the end of the report, the inspector in charge of filing it must list their recommendations for future use.

In what format should the accident investigation report be written?

There is no one right way to structure an accident investigation report, as it would depend on your organization’s practices. Ideally, however, an accident investigation report should be done in a narrative format so those reading it can better understand how said accident came to be from start to finish.

Who fills out the worker compensation accident investigation report?

The employer should be the one to file and report the accidents that happen to their employees. However, they will need to be in constant contact with their employee for the whole claiming process. Depending on the country, the employee and employer may need to contact their country’s division of workers or compensation government body .

What is the purpose of an accident investigation report?

In addition to documenting the specifics of a recent incident, conducting an accident investigation report serves another crucial purpose: preventing the recurrence of similar incidents. By providing comprehensive information, this report enables workplaces to identify the causes of the accident and implement corrective actions to address them effectively.

Streamline Accident Investigation Reporting with SafetyCulture (formerly iAuditor)

Paper-based accident investigation reports are time-consuming to complete and take more effort to incorporate photo evidence. Also, in the event that an accident investigation report goes missing, actions that intend to address the safety concerns of employees can get delayed and time-sensitive compensation claims are put at risk.

SafetyCulture is a powerful mobile app that can replace paper-based accident investigation forms. Use SafetyCulture on your mobile device to do the following:

• Record accident details using checklists , templates, and forms that you can download and customize from SafetyCulture’s Public Library .
• Capture unlimited photo evidence and add notes to describe the details of the accident and provide further context to what happened.
• Immediately generate urgent accident investigation reports even while at the scene of the incident. You can export them into CSV, PDF, Excel, and Word formats depending on your needs.

To get you started with your accident investigation, we have built these accident investigation report templates you can browse and download for free.

Try SafetyCulture for free!

Vehicle Accident Investigation Report Checklist

Use this vehicle accident investigation report template to document information about the employee and vehicle involved in the accident. Include details such as the name of the driver, date of birth, address, employee phone number, and driver’s license number, among others. Most importantly, record details about the accident and any injuries incurred.

Incident Investigation Checklist

Use this incident investigation checklist to help conduct a root cause analysis following an incident or near miss at your workplace. This digital incident investigation form can be used by supervisors to gather facts about the incident and do the following:

• Specify the people involved as well as the investigation team.
• State what type of task is being performed when the incident happened.
• Explain the incident in detail.
• Attach a photo or video evidence for clearer context.
• Select the contributing factors, including environmental, equipment/materials, work system, and people factors.

Vehicle Damage Report

Use this vehicle damage report to document a vehicular accident, record the extent of damages, and identify the parties involved. Safety officers, as well as drivers and fleet managers, can use this vehicle damage report to perform the following:

• Provide general details of the driver (full name, driver’s license number, VIN, etc.).
• Describe and take photos of vehicular damage.
• Include witness statements if applicable.
• Include digital signatures.

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How To Write An Accident Report For Insurance?

It’s critical to establish a methodical approach to accident investigation. A report must include all pertinent details regarding the accident or near-miss. The procedure starts with gathering information and culminates with recommendations for avoiding costly workplace accidents in the future. There are four main phases to writing an incident report.

1. Act Quickly – As soon as an accident or injury happens, employees should tell their supervisor. The first obligation of the supervisor is to ensure that proper medical treatment or first aid is delivered. In addition, if the hazard still exists, the supervisor must eliminate it immediately. This should be part of your company’s standard operating procedure.

2. Determine the Facts – After the emergency response has been completed, an investigation team should perform a full on-site accident investigation. This should happen soon after the incident, when those who were affected are still thinking about it. The following are some things to think about:

• Employees’ names, job titles, and departments, as well as direct supervisors
• Situational circumstances (e.g. slippery floor, inadequate lighting, noise, etc.)
• Specific injuries (containing the part(s) of the body that were wounded, as well as the kind and extent of the injuries)

3. Analyze – Once you’ve figured out how, you need to figure out why. This is required for the development of an effective control plan. The following are some of the causes:

• Causes of secondary effects (e.g. employee not wearing appropriate work shoes or carrying a stack of material that blocked vision)

4. Comprehensive Corrective Action Plan – Recommendations for corrective action could include both immediate and long-term solutions, such as:

• Preventative maintenance is done to keep equipment in good working order.
• Conducting a job hazard analysis to assess the task for any other potential dangers and then training staff on how to avoid them
• Engineering adjustments that make the task safer, as well as administrative changes that may involve modifying how the task is carried out.

How do I write a accident report?

On that fateful day, a terrible accident occurred. The mishap occurred between and. The accident was caused by. As a result of the accident, people died and others were injured. Locals raced to the scene and began rescuing the victims. The injured individuals were sent to a local hospital for medical care. The police arrived on the scene and took control of the situation. The minister of communication expressed his deepest sympathies to those who were affected by the accident. He also offered a payment of Rs. to the relatives of those slain in the accident.

Atinat around, a terrible/ghastly/shocking/dreadfulaccident took place/occurred/happened. Between and, a severe accident occurred. was coming from the opposite side since both vehicles crashed so quickly that they became out of shape. was the primary cause of the mishap. As a result, someone died on the scene and others were injured. Locals raced to the scene and began rescuing the victims. The injured people were sent to a local hospital for treatment. People were declared dead; some were left alone after receiving first assistance, while the remainder were taken to the hospital. The locals then became enraged. They said that traffic cops were not effectively manning the roads. The police arrived on the scene and dispersed the crowd. The driver had vanished. The driver had been taken into custody. The problem has now been brought under control.

How do you explain a car accident to insurance?

Don’t guess on anything, especially what the other driver was doing at the time of the crash; just give the facts as you remember them.

Even if you believe you caused or contributed to the accident, never acknowledge fault. Being involved in an automobile accident reduces your ability to view and grasp the accident’s general dynamics, and you may be mistaken about your involvement. Even if you believe you were not injured, do not tell the police or the insurance company that you were uninjured.

Many accident victims do not experience symptoms straight away, especially if they have suffered a traumatic brain injury, soft tissue injury, or internal injury. Even if you feel OK, it is critical that you get medical assistance as soon as possible following the accident. You may not be experiencing symptoms right now, but you may in the future, and you’ll want to be able to prove that your ailments are related to the accident and not anything else.

How do you start writing a report?

In seven easy steps, you’ll learn how to write a report.

• 1 Based on the task, choose a topic. You must choose your report’s topic before you begin writing.

What is the format of report writing?

The primary sections of a standard report writing format are as follows: The name(s) of the author(s) and the date of the report’s production are included in the title section. Summary – A summary of the important points, conclusions, and recommendations is required. Because it provides a general overview of the report, it must be brief.

What do I say to insurance company after accident?

Only provide minimal personal information. You simply need to provide your full name, address, and phone number to the insurance adjuster. You can also tell them what you do for a living and where you work. However, you do not need to explain or disclose anything else about your job, timetable, or money at this point.

How can I write a good report?

Knowing how to write a good report might make you an useful employee at your present company or a desirable prospect for a new one. Here are some guidelines for writing a report:

Decide on terms of reference

A section detailing the document’s “terms of reference” is seen in many official reports. These are some of the terms:

Setting these words clarifies why the report is necessary and what it aims to achieve for both the writer and the reader. The terms of reference are frequently explained in the first paragraph so that the reader can decide whether or not the text is relevant without having to read the entire page. Setting concrete words early on will aid in the creation of the report’s outline and the organization of your conversations throughout the writing process.

What are the 4 types of report?

The essay is a simple yet efficient structure for conveying information that is most typically utilized in high school and undergraduate academic courses. It has a header with the author’s name, the date of publication, and any other pertinent information (for instance, what course it was written for). Following that is a title, which is followed by the essay’s body. The body of an essay is made up of indented paragraphs that are arranged in a logical manner. The introduction paragraph introduces the reader to the essay’s topic, provides an outline of the arguments, and states the essay’s thesis or key point. The introduction is followed by a series of supporting paragraphs, each with its own distinct topic. Each paragraph focuses on giving evidence to support its own notion, which is then utilized to support the paper’s overall thesis or point. The conclusion, which typically refers to the intro, connects the ideas and concepts covered in the body to each other and back to the paper’s thesis. The essay is followed by a works cited or bibliography, which lists the sources that were utilized to write the essay.

The Law Dictionary

Your Free Online Legal Dictionary • Featuring Black’s Law Dictionary, 2nd Ed.

How To Write An Accident Report

• By TLD Staff
• Updated on February 21, 2014

Usually, a police officer will be called to the scene of an accident. If a police detective is not available, drivers might need to write their own accident reports to ensure there is documentation of the car accident . Here is how to write an accident report.

List Essential Details

Usually, if an accident was minor , then participants might not want to bother calling the police. For insurance and legal purposes, it is wise for someone to fill out an accident report. If you have been in an accident, there are three main categories of information that you will need to report:

• Environmental circumstances
• People at the location
• Vehicles involved

Try to be objective. Write down the time, date, and location of the accident . You will need to be very detailed with not only the city, county, and state, but the cross streets and exact position on the street where the accident occurred. Note any debris or skid marks also. Take pictures if you can.

Environmental factors could include the amount of light (natural or artificial), street conditions, amount of traffic, and weather. Note any significant landmarks, especially property that might have damaged: signs, fences, or buildings. If there was property damage, including the name of the owner, address, and estimated cost of damage.

Next, note the primary drivers involved in the accident – reporting and other parties. Other people listed would include passengers, drivers not-involved, and bystanders. Include name, age, gender, home address, and contact information for all the people. For the drivers add driver’s license number and insurance policy. List all injuries (and deaths) with the name, severity, and hospital if applicable.

Create a Map Diagram of the Scene

The third stage is to recreate the position, velocity, and vehicles on the scene. What is the vehicle type, make, model, and year? Include license plate information, number, issuing state, and year of expiration.

List the original location of each vehicle on the site and velocity (direction and speed) before impact. Next, note the position of all parties at impact. Finally, show where the vehicles ended up after the accident. Describe the damage to the vehicles along with the cost of repairing them. Can the vehicle be salvaged?

People should be able to understand what happened by reading your accident report . In the end, sign and date your accident report to make it official.

This article contains general legal information but does not constitute professional legal advice for your particular situation. The Law Dictionary is not a law firm, and this page does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.

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Car Accident Police Report: When & How To Get A Report

Updated: Oct 3, 2022, 12:32pm

Table of Contents

What is a car accident police report, how to obtain a car accident police report, what’s in a car accident police report, how to get a copy of a police report, how insurance companies use police reports, are police reports admissible in court, what to do after a police report is made, frequently asked questions (faqs).

Getting a police report after a car accident is a critically important step, regardless of whether the incident is a minor fender bender or a serious collision . Understanding what car accident police reports contain, when and how to get one and how a police report may be used during a car accident settlement or lawsuit is essential to protecting your legal rights. This guide explains when and how to get a report so your rights will be protected.

A police report is an incident report created by a law enforcement officer who responds to the scene of a car accident. The report, taken at the scene of the accident, will include specific details related to the crash, statements from drivers and parties involved in the accident, witness statements and other important details noted by the officer. Police reports are necessary to help make determinations of damage and fault after a car accident.

Insurance companies and car accident lawyers place significant emphasis on what the police report contains, especially if the law enforcement’s evaluations point to one driver bearing most — or all — of the fault.

For these reasons, even in a minor car accident, a police report is essential evidence to protect your own legal rights and support any future insurance and legal claims anyone involved in the car accident could make, including seeking a settlement or a car accident lawsuit.

To get a police report after a car accident, you’ll need to bring a law enforcement officer to the scene if one is not already present. Once you and your passengers are in a safe location, call 911 to verify law enforcement and first responders are dispatched to the scene.

You are not legally required to talk to the police, but it may be in your interest to provide your side of the story for the police report. Do not admit fault, either accidentally or intentionally, and speak only about the facts of the incident.

Before the law enforcement officer(s) leaves the scene, obtain their name(s), badge number(s) and the police or incident report number if available.

A car accident police report usually contains the following:

• Identifying information about parties involved may include addresses, phone numbers and insurance information
• Identifying information for witnesses
• Weather, roadway and visibility conditions at the scene
• Statements from drivers, passengers and witnesses
• Path of the vehicles
• Point of collision
• Descriptions of damage to the vehicles and or persons involved
• Violations of the law or citations, if any
• Other findings or conclusions about how or why the accident occurred, including the officer’s opinions as to the cause of the collision and/or a determination of fault

Facts Versus Opinions in Police Reports

Police reports can contain both facts and opinions noted by the law enforcement officer. Details such as the make and model of the vehicles involved, the location and time of the accident and the weather conditions at the scene are facts.

A determination of fault — who caused the car accident, or is mostly to blame — is the opinion of the police officer. The police statement’s opinions still carry weight, but insurance companies will also separately collect relevant information to form their own opinions and conclusions about who is at fault .

If you need to obtain a police report, there are a few ways to do it.

You can request a copy from the local law enforcement office that drafted the report. If you have the report number provided by the responding officer, you can call the traffic division of that agency and they should be able to provide you a copy, usually with an administrative fee (around $15 on average). Some cities will allow you to do this online in addition to in-person.

If you do not have the police report identification number, the agency should be able to locate it if you can provide the date, time, location of the accident and your name.

Alternatively, your insurance company may have already obtained the report, and if so, you may be able to request a copy from them without associated fees.

Note that it could take up to a few weeks for the responding officer to complete the report and for it to become available.

The insurance companies for all parties involved in the car accident will conduct their own investigations into the incident. Since the insurance adjusters were not witnesses to the event, one of the first pieces of evidence they will review is the car accident police report.

In the event an insurance company comes to a different opinion than the police report or the other driver’s insurance denies your claim, a police report could potentially support your case when it comes to a fault determination.

Police reports can be used as evidence in a car accident lawsuit — but only in certain instances and jurisdictions.

Police reports are permitted to be used as evidence in small claims courts, but the rules are different if the case goes to trial in your state’s court of general jurisdiction, also known as a circuit court or superior court. At this level, litigants are held to the rules of evidence, which can sometimes exclude “hearsay” evidence collected as an out-of-court statement.

Some jurisdictions may have exceptions to the hearsay rule and allow you to admit some or all of the police report. In other jurisdictions, police reports may be considered “public records” or “business records” and be entirely admissible.

An experienced personal injury attorney in your jurisdiction can advise whether a car accident police report may be used as evidence.

Most insurance policies require you to report any accident to them within a certain period of time (which could range from one day to 30 days) even if you are not making a claim. Some states also require that you file a report with the DMV about the accident.

After a car accident, you may consider making an insurance claim or filing a lawsuit to recover damages. Alternatively, you may notice the other side has filed an insurance claim or is preparing a lawsuit against you.

Whether or not the police report is on your side in determining who was at fault for the accident, we recommend seeking legal advice and representation from an experienced and qualified car accident lawyer. In addition to protecting your rights and acting as a liaison between all involved parties, an attorney can also help you seek fair, complete compensation for accident-related losses and damages.

Do I need a police report even if no one was hurt?

Yes. Even if no one was hurt in a car accident, a police report can help make determinations about who was at fault and what accident-related losses and compensation you might recover. Additionally, a police report is a key piece of evidence insurance companies will use to form their own opinions about the involved parties’ claims , and may even be admissible in court if the other party files a lawsuit.

How long do you have to make a police report after a car accident?

A police report must be made at the scene of the car accident. If you are involved in a car accident, call law enforcement immediately to begin collecting evidence for the report.

What is the first thing you should do after being involved in a car accident?

Get yourself and your passengers to a safe location and assess for injuries. Then, call 911.

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What to Write in a Car Accident Report

We all live in fear of having a car accident. The screech of rubber, the crunch of metal, it’s enough to make you break out in a cold sweat just thinking about it.

Being in a car accident can be traumatizing, but writing a car accident report doesn’t have to be.

We’ve put together some top tips to help you write a detailed report for your insurance company or local DMV.

Gather the Facts

Before you can write a detailed account of the accident, you need to know all the facts. You also need to gather evidence to support your claims.

Identify the Other Driver

Regardless of who caused the accident, you and the other driver need to exchange names and  insurance information .  If possible, take a photograph of their insurance card and driver’s license.

If there were any passengers in the other driver’s car, write down names and descriptions of these people too.

Vehicle Information

Document the details of all cars involved in the accident, including your own. Write down the make, model, and color of the cars as well as the license plate number and state of origin.

Next, describe any damage to the vehicles. Write down the location and type of damage. For example, “The SUV has a dent on the back bumper and a roughly 5 inch scratch on the rear door.”

If you notice any pre-existing damage to vehicles, that wasn’t caused by this particular accident, make note of those details too.

Identify the Witnesses

Write down the names and phone numbers of anyone who witnessed the accident.

If the witness complies, get a video or audio recording of the  witness’s statement of events.

Photograph the Scene

Don’t underestimate the importance of  car accident pictures . They serve as evidence to back up your version of events.

Photograph the location of the accident from different angles. Take clear pictures of any injuries and vehicle damage.

Describe the Incident

This where you walk the reader through the sequence of events.

Include as many details as you can. Remember, describe only the facts, don’t speculate or make assumptions.

Give a Chronological Account of What Happened

Step by step, describe what you and the other driver were doing before, during, and after the accident.

Explain  what caused the accident , and the after-effects of the crash. Were the vehicles still operational? Were they able to be moved to the side of the road?

What speed were you traveling at? Were you able to talk to the other driver immediately, or did bystanders intervene? Detail your interactions with the other driver and make note of any injuries received.

Remember to include the date and time of the incident, weather conditions, and the exact location of the incident.

Include the Witness Statements

After you have recounted your recollection of the events, add in your witness statements.

Include a description of where each witness was located at the time of the accident so that we can understand their point of view.

Conclude the Report

Once you have proofread your report, you need to sign and date the document. You should also make a copy of it to keep for your records.

Now You Know How to Write a Proper Car Accident Report!

After a bad car accident, you’ve got a ton of things to worry about, but writing a car accident report doesn’t have to be one of them.

Use the tips above to create an accurate, factual report that will explain your side of the story.

For more great automotive content, browse through the rest of  our blog!

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Home » Safety Training » How to Write a Good Accident or Incident Report

August 17, 2017

How to Write a Good Accident or Incident Report

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Jack Benton from EHS Safety News America shares with us the key elements in writing a good and informative accident or incident report.

An incident report needs to include all the essential information about the accident or near-miss. The report-writing process begins with fact finding and ends with recommendations for preventing future accidents.

You may use a special incident reporting form, and it might be quite extensive. But writing any incident report involves four basic steps, and those are the focus of today’s post.

1. Find the Facts

To prepare for writing an accident report, you have to gather and record all the facts. For example:

• Date, time, and specific location of incident
• Names, job titles, and department of employees involved and immediate supervisor(s)
• Names and accounts of witnesses
• Events leading up to incident
• Exactly what employee was doing at the moment of the accident
• Environmental conditions (e.g. slippery floor, inadequate lighting, noise, etc.)
• Circumstances (including tasks, equipment, tools, materials, PPE , etc.)
• Specific injuries (including part(s) of body injured and nature and extent of injuries)
• Type of treatment for injuries
• Damage to equipment, materials, etc.

2. Determine the Sequence

Based on the facts, you should be able to determine the sequence of events . In your report, describe this sequence in detail, including:

• Events leading up to the incident. Was the employee walking, running, bending over, squatting, climbing, lifting operating machinery, pushing a broom, turning a valve, using a tool, handling hazardous materials , etc.?
• Events involved in the incident. Was the employee struck by an object or caught in/on/between objects? Did the worker fall on the same level or from a height? Did the employee inhale hazardous vapors or get splashed with a hazardous chemical?
• Events immediately following the incident. What did the employee do: Grab a knee? Start limping? Hold his/her arm? Complain about back pain? Put a hand over a bleeding wound? Also, describe how other co-workers responded. Did they call for help, administer first aid, shut down equipment, move the victim, etc.?

The incident should be described on the report in sufficient detail that any reader can clearly picture what happened. You might consider creating a diagram to show, in a simple and visually effective manner, the sequence of events related to the incident and include this in your incident report. You might also wish to include photos of the accident scene, which may help readers follow the sequence of events.

Your report should include an in-depth analysis of the causes of the accident. Causes include:

• Primary cause (e.g., a spill on the floor that caused a slip and fall )
• Secondary causes (e.g., employee not wearing appropriate work shoes or carrying a stack of material that blocked vision)
• Other contributing factors (e.g., burned out light bulb in the area).

4. Recommend

Recommendations for corrective action might include immediate corrective action as well as long-term corrective actions such as:

• Employee training on safe work practices
• Preventive maintenance activities that keep equipment in good operating condition
• Evaluation of job procedures with a recommendation for changes
• Conducting a job hazard analysis to evaluate the task for any other hazards and then train employees on these hazards
• Engineering changes that make the task safer or administrative changes that might include changing the way the task is performed

This article was written by Jack Benton and retrieved from EHS Safety News America

Need help with your safety training? The following training blogs and titles are available to help with work place safety incidents:

How to Write an Incident Report in 5 Easy Steps

OSHA Recordkeeping for Employees

OSHA Recordkeeping for Managers and Supervisors

Get safety training mentioned in this article below:

Personal Protective Equipment (PPE)

Slips, Trips, and Falls

Safety Housekeeping and Accident Prevention

HAZCOM (GHS)

Safety Orientation 

*All of the titles listed come in Online Interactive training formats, Video on Demand, USB, DVD, Downloadable files, and SCORM 1.2 course files*

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Best Resource For Your Loving Car

Powerful Tips on Describing Car Accidents for Insurance: Examples & More

Last updated on January 31st, 2024 at 04:52 pm

To describe a car accident for insurance, provide concise details about the event, including location, date and time, parties involved, and type of damages sustained. Be accurate, specific, and use active voice to ensure a clear understanding of the incident.

Car accidents are unfortunate incidents that can occur unexpectedly, causing damage to vehicles and sometimes resulting in injuries. When it comes to describing a car accident for insurance purposes, it is crucial to provide accurate and specific information. By adhering to guidelines set by insurance companies, you can ensure that your description is clear and effective, helping you with the claims process.

In this article, we will explore examples and tips on how to describe a car accident for insurance, ensuring your account of the incident is comprehensive and helpful in obtaining the appropriate compensation.

Credit: www.forbes.com

The Importance Of Accurate Accident Descriptions

Accurate accident descriptions play a crucial role in insurance claims. Poor descriptions can negatively impact the claim process. To enhance chances of receiving fair compensation, it is essential to provide strong and detailed descriptions. By establishing the relevance of accurate descriptions, insurance companies can better assess the situation.

When describing a car accident for insurance purposes, it is important to provide clear and concise information. This includes details such as the date, time, location, and any contributing factors. Additionally, describing the damage to the vehicles involved and any injuries sustained is vital.

These descriptions serve as evidence and help insurance adjusters accurately evaluate the claim. Providing accurate and thorough descriptions increases the likelihood of a successful and fair compensation outcome.

Essential Details To Include In Accident Descriptions

Including essential details in your car accident description is crucial when dealing with insurance claims. Start by providing vehicle identification information, such as the make, model, and license plate number. Include the location and time of the accident, as well as the prevailing weather and road conditions at that time.

Describe the damages sustained by your vehicle and any injuries sustained by you or others involved in the accident. Additionally, gather statements from all parties involved and any witnesses present at the scene. It’s important to obtain police reports and photographs to support your accident description.

By following these guidelines, you can ensure that your car accident description is thorough and accurate for insurance purposes.

How To Organize Your Accident Descriptions Effectively

When describing a car accident for insurance purposes, it is crucial to organize your accident descriptions effectively. One effective way to structure your description is by organizing the events in chronological order. Start with the initial incident and then proceed to the subsequent events.

It is essential to use clear and concise language to provide a clear picture of what happened. To enhance readability, consider using bullet points to present important details, such as the location, time, and weather conditions. By following these instructions, you can ensure that your accident description is comprehensive and easily understood by insurance providers.

Remember to avoid repetitive terms and keep your writing concise and reader-friendly.

Words And Phrases To Use In Accident Descriptions

Accurately describing a car accident for insurance purposes is crucial. When writing accident descriptions, it’s important to use appropriate words and phrases. Descriptive adjectives are useful for portraying vehicle damage, while adverbs can be used to indicate the speed of the vehicles involved.

It is essential to use precise terms when describing injuries sustained in the accident. Additionally, using objective language when documenting conversations and observations will ensure an unbiased account. By following these guidelines, you can provide a clear and comprehensive description of a car accident for insurance purposes, aiding in the claims process.

Examples Of Well-Written Accident Descriptions

Accurately describing a car accident in your insurance claim is crucial for a successful settlement. Well-written accident descriptions offer clear and coherent accounts that effectively use relevant details. By avoiding commonly overused words and phrases, such as “when it comes to” or “if you”, you can ensure your descriptions remain concise and focused.

For example, instead of starting a sentence with “in conclusion” or “additionally”, choose alternative expressions to maintain reader interest. Real-life examples of accurate accident descriptions highlight the importance of providing specific information about the incident, such as the location, time, weather conditions, and the actions of all parties involved.

Emphasizing clarity and coherence in descriptions will help insurance companies better understand the circumstances, ensuring a fair evaluation of your claim. Craft your accident description thoughtfully, using language that is easy to understand, unique, and free from plagiarism to enhance your chances of a successful insurance claim.

Common Mistakes To Avoid In Accident Descriptions

Accurately describing a car accident for insurance purposes is crucial, and it’s important to avoid common mistakes. Exaggerating or fabricating details should be strictly avoided, as this can lead to potential legal consequences. Similarly, it is essential to refrain from providing personal opinions or assumptions about the incident.

Insurance claims rely on factual information, so sticking to the facts is vital. Moreover, it is imperative to include all relevant information related to the accident, such as the date, time, location, parties involved, and the extent of damages. This helps insurance companies assess the situation accurately and process claims efficiently.

By avoiding these mistakes, you can ensure a smooth claims process and a fair resolution to your car accident.

The Role Of Supporting Documentation In Accident Descriptions

Supporting documentation plays a crucial role in describing car accidents for insurance purposes. One important form of evidence is photographic proof, which provides visual documentation of the accident scene and damages. Additionally, obtaining and including police reports in the accident description adds credibility and official documentation.

These reports contain detailed descriptions of the accident, including location, time, and parties involved. Gathering witness statements also strengthens the accident description by adding firsthand accounts of what occurred. These statements can provide additional details and perspectives that may support the insurance claim.

Overall, providing thorough and detailed supporting documentation enhances the accuracy and credibility of a car accident description, making it easier for insurance companies to assess and process the claim.

Enhancing Your Descriptions With Visual Aids

Enhancing your descriptions with visual aids can greatly improve your ability to describe a car accident for insurance purposes. One effective method is utilizing diagrams and sketches. These visual representations help insurers visualize the incident, making it easier for them to understand the details of the accident.

Additionally, incorporating photos and videos can provide an even more comprehensive view of the scene. These visual aids offer concrete evidence of the damages and how the accident occurred. By including such visual elements in your description, you can ensure that your insurance claim is accurate and compelling.

This will increase the likelihood of receiving the appropriate coverage for the incident. So, whenever possible, remember to include diagrams, sketches, photos, and videos when describing a car accident for insurance purposes.

How Can I Effectively Describe the Damage from an Accident to My Insurance Company?

When describing the consequences of exceeding insurance to your insurance company after an accident, be sure to be honest and detailed. Provide specific information about the damage, including the extent and cost of repairs needed. Supporting your claim with photos or witness statements can help strengthen your case.

Frequently Asked Questions On How To Describe A Car Accident For Insurance Examples

What should i do if i witness a car accident.

If you witness a car accident, first ensure your own safety and then call emergency services immediately. Provide accurate details of the accident, such as location and number of vehicles involved, to aid the authorities. It is crucial to stay at the scene until help arrives.

How Do I Describe A Car Accident To My Insurance Company?

When describing a car accident to your insurance company, be sure to provide specific details such as the date, time, and location of the accident. Include a clear and concise description of what happened, including any damages to vehicles or injuries sustained.

Providing accurate information will help expedite the claims process.

What Information Should I Gather After A Car Accident?

After a car accident, gather the following information: names and contact details of all parties involved, insurance information, license plate numbers, photos of the accident scene, and any witness statements. This information will be helpful when filing an insurance claim and providing accurate details to the authorities.

How Can I Accurately Describe The Damage To My Car After An Accident?

To accurately describe the damage to your car after an accident, thoroughly inspect all areas of the vehicle. Take note of any dents, scratches, or other visible damage. You can also take photos to provide visual evidence. When reporting to your insurance company, be specific and detailed about the damage sustained.

Can A Police Report Help In Describing A Car Accident?

Yes, a police report can be extremely helpful in describing a car accident. Police reports provide an objective account of the incident and include key details such as witnesses, statements, and any applicable citations. This document adds credibility to your claim and assists in accurately describing the accident to your insurance company.

Accurately describing a car accident for insurance purposes is crucial for a smooth claims process. By following these steps and using the provided examples, you can effectively communicate the events and details to your insurance company. Remember to remain factual and objective, providing a clear description of what happened and any contributing factors.

Include any relevant information, such as the time and location, weather conditions, involved parties, and damages sustained. Using concise and descriptive language, avoid unnecessary jargon or subjective opinions. Take photos and gather supporting evidence when possible to strengthen your claim.

Lastly, ensure you report the accident promptly and provide the necessary documentation to your insurance provider. By mastering this skill, you can confidently navigate the claims process and ensure a fair and accurate settlement.

Insurance Incident Report

Incident report generator.

There is nothing better than getting good insurance especially in times like these. Not only is it a need, but it is also important in case something may happen. You are insured you would get something back. However, there are also some instances where there are incident reports concerning a person’s insurance. We cannot always predict something to happen but we can always report when something like this may happen.   You may be wondering now, what is an insurance incident report, may it be for medical insurance or life insurance. Why is it so important to report anything that goes amiss? To find out more about it, check out the importance, tips, and examples below.

10+ Insurance Incident Report Examples

1. motorsport insurance incident report.

Size: 255 KB

2. Property Insurance Incident Report

Size: 66 KB

3. Incident Report for Softball Insurance

Size: 56 KB

4. Medical Insurance Incident Report

Size: 136 KB

5. Insurance Incident Report Form

Size: 134 KB

6. School Insurance Incident Report

Size: 143 KB

7. Public Insurance Incident Report

8. Standard Insurance Incident Report

Size: 466 KB

9. General Insurance Incident Report

Size: 217 KB

10. Health Insurance Incident Report

Size: 152 KB

11. Basic Insurance Incident Report

Size: 70 KB

Definition of Insurance

Insurance is a contract. Represented by a policy or an agreement. A practice or an arrangement which a company provides to guarantee compensation for damage, illness, specific loss or death. A return for payment. Something people buy to protect themselves from losing money, and in exchange for this, they are insured that the company will pay them according to the guidelines and the promise.

Definition of Report

A report is usually a written or an oral account . Given on the purpose of a particular matter. Especially one done after a thorough inspection or investigation. A report can be made by anyone who has the reason to do so. Reports also range from mild to severe cases. Reports are often only taken seriously when there is firm evidence of what had happened during the incident.

Definition of Incident

An event or occurrence . Something that happened without expecting it. Something that happened without anyone expecting it. An event that is unusual or unexpected. Something unpleasant and unpredictable that happened. An occurrence that happens that is entirely not expected or planned out.

Purpose of an Incident Report

The purpose  of writing an incident report is merely to write or to document everything that occurred. To record everything that had happened while the witnesses’ minds are still fresh from the incident. To get clear and hard evidence from those who have seen or have been there during the incident. Information being gathered would become documented and recorded for the future. As well as it is useful when dealing with issues that may repeat itself in the future. Write the full narrative- As you write your narrative down. Include in chronological order the events that occurred before and in between the incident. Avoid having to use difficult jargon. As this is an incident report, you must treat it as an official report. Do not use any foul or vulgar languages. If it so happens that you write the conversation that happened during the incident, avoid using the languages they used as much as possible.

Tips for Writing or Filling Out an Incident Report

When writing or filling out an incident report, there are things you must take into consideration. One of which is that, when writing your report, you need to follow certain rules. The same goes for filling out an incident report. Check out some tips for writing or filling out one. In case you are about to do so.

• Fill out necessary information – this is not limited to the type of incident, the address, date and time of the occurrence, and the name of the people affected. By writing this information or filling out these parts of the incident report, you are able to give out the basics of what had happened.
• Write the full narrative- As you write your narrative down. Include in chronological order the events that occurred before and in between the incident. Avoid having to use difficult jargon. As this is an incident report, you must treat it as an official report. Do not use any foul or vulgar languages. If it so happens that you write the conversation that happened during the incident, avoid using the languages they used as much as possible.
• Specify everything – As you write or fill out your report, do not skip anything. Specify the necessary dates, times and if possible the people involved. This not only makes your report more precise, it also helps the right people to find out what happened and how it happened. Information like this helps solve the issue immediately.
• Give firm evidence- While filling or writing your incident report, sometimes we tend to forget to write the evidence. Evidence or proof as to who was at fault and why. Without any hard evidence, everything ends up in hearsay. To avoid this from happening, give the firm evidence and explain why. This would still be considered hearsay if you refuse to give a valid reason.
• Give the report to the right audience- If you are reporting an incident report about your insurance, give it to the right people. The same goes for other types of incident reports. The right people would handle the situation as well as give you some ideas on how to regain what you may have lost.

How important is it to file for an insurance incident report?

Very important. If you have issues concerning your insurance, report it immediately. Show firm evidence to support your case.

Do I need to write all the events that happened?

Yes. It is important to write what has happened. As well as if it is possible, to write it in chronological order. This is to make it less confusing when they would read what happened. Basically it becomes a step by step information of what happened in the incident.

What happens if I do not report an insurance fraud  incident ?

Chances are, you are not going to be able to get your insurance. As well as the incident you refuse to report may only grow worse or buried.

Is there another way to report an insurance incident?

You may write a letter . State your reason, the information needed and send it to the person or people who take care of these types of situations. If you are working for a company, you may inform your HR.

Insurance incidents can sometimes be an issue itself. Especially if you have no idea on what to write or fill out as you report. But remember the most important thing is to write the entire details and the information needed. If you can remember what happened in chronological order, write it down and report it immediately.

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Craft an incident report on a classroom equipment damage involving students during a group activity

Develop an incident report about a lost personal item of a student reported in the school library.

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4 steps for writing an effective accident report

It’s imperative to institute a systematic method for investigating accidents.  A report needs to include all the essential information about the accident or near-miss.  The process begins with fact finding and ends with recommendations for preventing  costly future workplace accidents .  Writing any incident report involves four basic steps.

1.  Respond Immediately Employees should notify their supervisor as soon as an accident or injury occurs. The supervisor’s first responsibility is to see that proper medical treatment or first aid is provided.  Also, if the hazard still exists, the supervisor needs to immediately eliminate it. Your company should have an established procedure for this.

2.  Find the Facts Once the immediate response has been completed, a thorough on-site  accident investigation  should be conducted by an investigation team. This should take place quickly after the incident so those affected still have the situation fresh in their mind. Items to review include:

• Date, time and specific location of incident
• Names, job titles and department of employees involved and immediate supervisors
• Names and accounts of witnesses
• Events leading up to incident
• Specifically what the employee was doing at the moment of the accident
• Environmental conditions (e.g. slippery floor, inadequate lighting, noise, etc.)
• Circumstances (including tasks, equipment, tools, materials, PPE, etc.)
• Specific injuries (including part(s) of body injured, nature and extent of injuries)
• Type of treatment for injuries
• Damage to equipment, materials, etc.

3.  Analyze After determining how, you must find out why. This is necessary for developing an effective plan of action for control. Causes include:

• Primary causes (e.g. a spill on the floor that caused a slip and fall)
• Secondary causes (e.g. employee not wearing appropriate work shoes or carrying a stack of material that blocked vision)
• Other contributing factors (e.g., burned out light bulb in the area)

4.  Complete Corrective Action Plan Recommendations for corrective action might include immediate corrective action, as well as long-term corrective actions such as:

• Employee training on safe work practices
• Preventive maintenance activities that keep equipment in good operating condition
• Evaluation of job procedures with a recommendation for changes
• Conducting a job hazard analysis to evaluate the task for any other hazards and then train employees on these hazards
• Engineering changes that make the task safer or administrative changes that might include changing the way the task is performed  

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Letter Templates & Example

How to Write a Car Accident Letter to Insurance Company: Tips and Sample Letter

Have you recently been in a car accident and need to write a letter to your insurance company? This can be a daunting task, but don’t worry – we’re here to help. Whether it’s a minor fender bender or a major collision, it’s important to notify your insurance provider as soon as possible in order to file a claim and potentially receive financial assistance. That’s why we’ve put together some helpful tips and examples for crafting a clear and concise car accident letter to your insurance company. You’ll be able to find pre-written templates and edit them to fit your specific situation. So take a deep breath and let’s get started – we know you’ve got this!

The Best Structure for a Car Accident Letter to Your Insurance Company

When you get into a car accident, it can be a stressful and confusing time. Not only do you have to deal with the aftermath of the accident itself, but you also need to file a claim with your insurance company. Writing a letter to your insurance company about the accident can help streamline the claims process, but it’s important to structure the letter in a clear and concise way to ensure that all of the necessary information is included and your claim is processed as quickly as possible.

The first paragraph of your letter should introduce yourself and provide key information about the accident, such as the date, time, and location of the accident, the names of any other drivers or passengers involved, and the names of any witnesses. Be sure to include your policy number and contact information, as well as any other relevant details about your insurance coverage.

In the second paragraph, provide a detailed description of the accident and what happened. This should include the circumstances that led up to the accident, as well as any contributing factors that may have played a role, such as road conditions, weather, or other drivers’ behavior. Be as specific as possible and include any photos or witness statements that may help support your claim.

The third paragraph should summarize any injuries or damages resulting from the accident. This may include any medical treatments or expenses, as well as damage to your vehicle or other property. If you have already received estimates for repair costs or medical bills, include those as well.

In the fourth paragraph, make note of any police reports or other documentation related to the accident. If there were any citations or tickets issued at the scene, include those as well.

Finally, close the letter by summarizing your desired outcome, such as reimbursement for medical expenses or compensation for vehicle repairs. Provide a deadline by which you expect to hear back from the insurance company, and thank them for their time and attention to your claim.

Overall, structuring your car accident letter to your insurance company in this way can help ensure that all of the necessary information is included and your claim is processed as efficiently as possible. Remember to keep copies of all documentation related to the accident, including police reports, witness statements, and any correspondence with your insurance company, in case you need to refer back to them later on.

7 Sample Car Accident Letters to Insurance Company for Various Reasons

Sample letter for rear-end collision.

Dear Insurance Company,

I am writing to report the car accident that occurred on (date) when my vehicle was rear-ended by another car. The other driver appeared to be distracted and did not notice that I had stopped at a red light.

The damage to my car is substantial and I would appreciate prompt attention to the claim. I have attached photos of the damage for your reference. Please let me know if you need any additional information from me.

Thank you for your assistance in resolving this matter.

Sample Letter for Intersection Collision

I am writing to report the car accident that occurred on (date) at the intersection of (street name) and (street name) when my car was struck by another vehicle. The other driver failed to yield the right of way and hit my car as I was turning left.

Thankfully, no one was injured, but my car sustained significant damage. I have included photos of the damage for your reference. Please let me know if you require any more information from me.

Thank you for your prompt attention to this matter.

Best regards,

Sample Letter for Hit-and-Run

I am writing to report the car accident that occurred on (date) when my parked car was hit by another vehicle. Unfortunately, the other driver fled the scene before I could gather any information.

The damage to my car is severe and I have filed a police report. I have also included pictures of the damage for your reference. Please let me know how I can proceed with filing a claim under my policy.

Sample Letter for T-Bone Collision

I am writing to report the car accident that occurred on (date) when my car was hit broadside by another vehicle at an intersection. The other driver ran a red light and struck my car directly on the driver’s side.

My car is totaled and I will need assistance with the claims process for both the damage to my car and any medical expenses that may have resulted from the accident. Please let me know how I can proceed with filing a claim under my policy.

Thank you for your attention to this matter.

Sample Letter for Multiple-Car Collision

I am writing to report the car accident that occurred on (date) when my car was involved in a multiple-car collision on the highway. The road was slick from rain and the other drivers failed to adjust their speed accordingly, resulting in a crash involving several vehicles.

Thankfully, no one was seriously injured, but my car sustained significant damage. I have included photos of the damage for your reference. Please let me know how I can proceed with filing a claim under my policy.

Thank you for your prompt assistance in resolving this matter.

Sample Letter for Parking Lot Collision

I am writing to report the car accident that occurred on (date) when my car was hit by another vehicle in a parking lot. The other driver was backing out of their space and did not see my car behind them.

The damage to my car is significant and I have filed a police report. I have also included photos of the damage for your reference. Please let me know how I can proceed with filing a claim under my policy.

Sample Letter for Single-Car Collision

I am writing to report the car accident that occurred on (date) when my car was involved in a single-car collision. I lost control of my car and hit a tree while driving in inclement weather.

I sustained minor injuries and my car sustained significant damage. I have filed a police report and have included photos of the damage for your reference. Please let me know how I can proceed with filing a claim under my policy.

Tips for Writing a Car Accident Letter to Your Insurance Company

If you have been involved in a car accident and need to file a claim with your insurance company, it is important to know how to write an effective letter. Here are some tips to help you:

• Be clear and concise: Your letter should clearly and concisely explain the accident, including the date, time, location, and how it happened. Provide as many details as possible to help your insurance company understand the situation.
• Stick to the facts: Avoid providing opinions or making assumptions about who was at fault for the accident. Let the insurance company investigate and determine any liability issues.
• Include documentation: Provide any documentation you have related to the accident, such as photos of the damage, police reports, and witness statements. This can help your insurance company process your claim more efficiently.
• Be honest: Always be honest when writing a car accident letter to your insurance company. Misrepresenting the facts or leaving out important details could result in your claim being denied.
• Use a professional tone: While it is important to be honest and clear, it is also important to use a professional tone when writing your letter. Avoid being overly emotional or confrontational in your language.
• Proofread carefully: Before sending your letter, proofread it carefully to ensure there are no spelling or grammatical errors. This will help make a good impression on your insurance company and show that you are taking the matter seriously.
• Send the letter promptly: It is important to send your car accident letter to your insurance company as soon as possible after the accident to help expedite the claims process.

By following these tips, you can write an effective letter to your insurance company that will help facilitate your claim and get you the compensation you deserve.

Car Accident Letter to Insurance Company FAQs What is a car accident letter to an insurance company?

A car accident letter to an insurance company is a written communication that details the circumstances surrounding a car accident and is sent to the involved parties’ insurance providers. The letter can serve as formal documentation of the accident and may provide evidence for any insurance claims that might arise.

What should I include in a car accident letter to an insurance company?

In your car accident letter to an insurance company, you should include all relevant details about the accident, such as the date, time, and location of the accident, as well as the names and contact information of all parties involved. Additionally, you should describe the extent of the damages and injuries sustained, any witnesses present, and any law enforcement or medical personnel who were involved.

When should I send a car accident letter to an insurance company?

You should send a car accident letter to an insurance company as soon as possible after an accident occurs. Many insurance companies have specific time limits for reporting accidents, so it’s important to act quickly to ensure that your claim is processed in a timely manner.

How do I write a car accident letter to an insurance company?

To write a car accident letter to an insurance company, you should start by outlining all relevant information about the incident, including the date, time, and location of the accident, the names of all involved parties, and any relevant details about the extent of the damages and injuries. Be sure to keep your language clear and concise and include any supporting documentation or evidence, such as witness statements, photos, or police reports.

What should I do if I receive a car accident letter from an insurance company?

If you receive a car accident letter from an insurance company, you should carefully review the letter and any accompanying documentation. If you have any questions or concerns, it’s important to communicate with your insurance provider or seek legal advice if necessary. Be sure to respond to the letter in a timely manner and provide any requested information or documentation.

Can I dispute the findings in a car accident letter from an insurance company?

If you disagree with the findings in a car accident letter from an insurance company, you may have the option to dispute the decision. You may be able to request an appeal or mediation with the insurance provider, or you may need to seek legal advice to determine your options for contesting the decision.

What are the benefits of sending a car accident letter to an insurance company?

Sending a car accident letter to an insurance company can provide a number of benefits, including serving as official documentation of the incident, providing evidence for any insurance claims, and helping ensure that all parties involved have accurate and complete information about the accident. Additionally, sending a letter can help facilitate communication and ensure that all details are recorded in a clear and concise manner.

Wrapping it up

And that’s a wrap! We hope this article on writing a car accident letter to your insurance company has been helpful. Remember, when it comes to accidents, time is of the essence. So, make sure you get your letter sent off as soon as possible. Don’t forget to keep a copy for your records, and follow up with your insurance company to ensure they’ve received it. Thanks for reading, and be sure to check back for more useful tips and tricks in the future!

Step-by-Step Guide to Writing an Effective Car Accident Insurance Claim Letter Format Top Sample Letter of Interest for Insurance Provider Templates to Land Your Ideal Coverage How to Write a Letter to Your Insurance Company for a Car Accident Claim Writing an Effective Accident Claim Letter to an Insurance Company How to Write a Letter to Claim Car Insurance: A Step-by-Step Guide How to Write an Effective Car Accident Claim Letter to Insurance

Educating Injury Victims

• Claim Process
• Notification Letter to At-Fault Party

How to Write an Injury Claim Notification Letter to the At-Fault Party

Charles R. Gueli, Esq.

Licensed Attorney

Charles is a practicing attorney with over 20 years of experience in personal injury law. He was recently selected as a SuperLawyer by Thomson Reuters, an exclusive honor awarded to the top 5% of attorneys.

Start your claim by notifying the at-fault party of your intent to seek compensation for your damages. Get helpful tips for writing your letter.

About personal injury notifications, pro tips for impressive letters, notification letter template, notification letter examples.

• What to Expect After Sending Your Letter

When you’ve been injured by someone else’s negligence, you expect the at-fault party to pay for your losses. For most of us, that means dealing with the at-fault party’s insurance company.

Your claim begins by putting the at-fault party and their insurance company on notice of your intent to file an injury claim.

If you have the insurance information, your notification can go straight to the insurance company . If not, here’s where we help you write a professional-style letter to the at-fault party, with the expectation they will get their insurance carrier involved.

A notification letter places the at-fault party on formal notice you’ve been injured and are pursuing compensation for your losses. Send the letter as soon as possible after your injury if you intend to handle your injury claim without an attorney .

When you’ve suffered relatively minor injuries and only missed a few days or weeks of work, you can probably negotiate a fair settlement with the at-fault party’s insurance company.

Some of the most common injury claims arise from:

• Minor car accidents
• Slip and fall accidents
• Dog attacks

The sooner you get in touch with the insurance company, the better. You won’t be ready to negotiate compensation until you’ve recovered from your injuries, but you can get the injury claim process started.

Serious or complicated injury claims should be handled by an experienced personal injury attorney to get fair compensation for your losses.

Complicated claims can include:

• Multi-vehicle car accidents
• Severe or permanent injuries
• Medical malpractice claims

You can consult an attorney at any time during your injury claim. However, you can avoid costly mistakes by contacting an attorney from the start.

You don’t have to be an attorney to send a professional-looking notification letter. A formal business letter will get the at-fault party’s attention and lets them know your intentions are serious.

Tips for an impressive notification letter:

• Double-check spelling and grammar
• Use good quality bond paper
• Use matching business-size envelopes
• Sign your name in black or blue ink
• Send the letter by USPS certified mail , return receipt requested

Keep the notification letter as simple as possible. Don’t discuss negligence, fault, or the extent of your medical treatment. Save those details for your compensation demand packet .

Your notification letter should include:

• Letter date
• Injury date
• Injury location
• Brief description of the incident, such as “car accident “or “slip and fall”
• Your full name and contact information

The letter date should be the day you mail the notification, not necessarily the day you began writing your letter.

When your letter is ready to go, sign it, and make a copy for your records. When the certified mail delivery confirmation (green card) comes back to you, attach the card to your copy of the notification letter.

Your copy of the signed letter with proof of delivery will go into your accident file, along with other important injury claim paperwork .

Show/Hide All Hints

[YOUR FULL NAME] [YOUR STREET] [YOUR CITY, STATE, ZIP]

[DATE OF LETTER]

[AT-FAULT PARTY NAME] [AT FAULT PARTY STREET] [AT-FAULT PARTY CITY, STATE, ZIP]

Attn: [Name]

Re: [TYPE OF CLAIM] injury on [DATE OF INCIDENT]

Dear Mx. [NAME]:

On [DATE OF INJURY] at approximately [TIME OF DAY], I was injured by a [TYPE OF CLAIM] that happened at [LOCATION].

Please provide me with the name and contact information for your insurance carrier as soon as possible. You may contact me in writing at the address above or electronically at [YOUR EMAIL ADDRESS]

Kindly forward this letter immediately to your insurance carrier for coverage of my claim.

Thank you for your prompt attention to this matter.

[YOUR NAME]

The at-fault party will likely turn your letter over to their insurance company right away if they haven’t already put their insurer on notice of the incident.

Here we use fictional claim scenarios to show how the basic notification letter format can be personalized for different types of injury claims.

If you know of evidence that will help your claim, but it’s currently in the at-fault party’s possession, include spoliation language in your letter.

Spoliation is a legal term used in connection with important evidence that you don’t want to be “spoiled” before you can use it in your case. For example, if you fall in a store, you will ask the store to preserve (keep safe) footage from security cameras for the day of your injury.

Example Notification Letter for Slip and Fall Claim

Kelly R. Wilson 1234 Main Street Jefferson, NY 12345

August 26, 2020

Standard Supermarket 1215 Roe Boulevard Bastion, NY 11799

Attn: Val Thomas, Manager

Re: Slip and Fall on August 23, 2020

Dear Mx. Thomas:

On August 23, 2020, at approximately 10:00 a.m. I was injured by a fall in the Roe Boulevard store in Bastion, NY.

Please provide me with the name and contact information for the store owner and the store’s insurance carrier as soon as possible. You may contact me in writing at the address above or electronically at [email protected]

Additionally, I know there are surveillance cameras inside and outside the store. This letter will serve to provide you with notice to preserve and retain any information that may be relevant to my injury claim , including, but not limited to video or audio footage recorded on August 23, 2020, photographs, written or electronic reports, handwritten notes, and all other evidence relating to the incident.

Kindly forward this letter immediately to the store’s insurance carrier for coverage of my injury claim.

Kelly R. Wilson

Example Notification Letter for Car Accident Claim

Alex Smith 112 Ellington Avenue Washington, NY 54321

Re: Vehicle Accident on August 23, 2020

Dear Mx. Smith:

On August 23, 2020, at approximately 10:00 a.m. I was injured, and my car was damaged when I was hit by your vehicle on Fleet Street at the intersection of Franklin Avenue in Monroe, New York.

Please provide me with the name and contact information for your insurance carrier as soon as possible. You may contact me in writing at the address above or electronically at [email protected]

Kindly forward this letter immediately to your insurance carrier for coverage of my injury and property damage claims.

If you’re involved in a car accident , even if it wasn’t your fault, you must report the collision to your insurance company. If the at-fault driver’s auto insurance had lapsed, or if their insurance company won’t accept liability, your insurance carrier will be ready to fight on your behalf.

Most auto insurance contracts have language requiring you to contact the company if you’re involved in an accident, regardless of fault. If you live in a no-fault insurance state , you must turn to your own auto policy for minor injury claims.

What to Expect After Sending Your Notification Letter

Once the at-fault party turns your letter over to their insurance company, you will hear from one of their representatives, called a claims adjuster .

The adjuster will want to hear your side of the story and may ask your permission to take a recorded statement . You are not obligated to give the at-fault party’s insurance carrier a recorded statement just because they call and ask for one.

Adjusters have different styles and sometimes use tactics designed to trick you into saying things that can be used against you. In any case, never give a recorded statement when you are tired, upset, or taking pain medications.

Don’t be surprised if the adjuster offers you a quick settlement. You can be pretty sure the offer is much less than the true value of your injury claim. Take your time. It takes patience and persistence to negotiate a fair settlement for your injury claim.

Consider consulting a personal injury attorney before trying to negotiate your injury settlement. Most attorneys don’t charge for their initial consultation, so it costs nothing to find out what a good attorney can do for you.

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How much does car insurance go up after an accident?

Car insurance rates typically go up after an accident, especially if you were at fault..

There were nearly 6 million car accidents in the U.S. in 2022, according to the National Highway Traffic Safety Administration . Accident rates have been increasing in recent years and experts point to everything from more distracted driving to rising temperatures caused by climate change .

After the initial shock wears off, the real surprise after a collision can be how much your insurance premiums go up — even if you weren't at fault.  Your driving record is only one factor determining how much you pay for car insurance, but even a single accident can have a major impact.

Car insurance after an accident

• How long with an accident stay on my record?
• Will my rates go up even if the accident wasn't my fault?
• Can I prevent my rates from going up after an accident?
• How to lower insurance after an accident

Shop for the best car insurance rates

The amount your insurance goes up after an accident depends on several factors including your insurance company, the state you live in, the car you drive, the severity of the collision and whether the accident was your fault.

"Generally speaking, your rate will go up 10% or less if you're not at fault," said Brian Moody, executive editor at Kelley's Blue Book. "If you are at fault, it's closer to 45%."  

Not all carriers are the same, though: Allstate and Erie raise rates less than 30% on average after an at-fault accident, according to Bankrate analysis of Quadrant Information Services data,

Allstate Auto Insurance

The best way to estimate your costs is to request a quote

App available

Policy highlights.

Allstate offers auto insurance customers a total of 14 discounts in addition to a pay-per-mile car insurance program. It offers quotes by phone, through an agent, or online. The company also offers a number of other insurance products to bundle your coverage and save.

Erie Auto Insurance

Erie Insurance offers auto insurance for many different situations and affordable premiums. Several different coverages allow you to customize your policy.

Terms apply.

How long will an accident affect my car insurance?

On average, a car accident will remain on your record for three to five years, according to Moody. The exact amount varies by state, however: It's one year in Pennsylvania, while in Massachusetts, it's six. 

Insurance companies can review your driving record by checking your Motor Vehicle Report . It's generated by your state's Department of Motor Vehicles and lists any moving violations, traffic tickets and accidents. If you made a claim for repairs stemming from an accident, it would appear on your CLUE report .

Will my rate go up even if the accident wasn't my fault?

Any accident that is reported to either the police or your insurance company could result in a premium increase, according to Mark Friedlander, communications director with the Insurance Information Institute. Insurers assess risk, not blame. And, statistically, the more crashes you're in, the more likely you are to have another in the future.

A few states , including Oklahoma and California, do prohibit insurance companies from raising rates after a not-at-fault accident.

How to prevent a rate increase after an accident? 

If you're involved in a one-car accident or a minor fender-bender with another driver, you may be tempted to pay for repairs out of pocket rather than report it to your insurance company.

While this may keep your rates from increasing, if your provider finds out about it later, it could be considered non-disclosure and could result in your policy being invalidated. In some cases, you don't have a choice: In New York , for example, an accident report must be filed with the Department of Motor Vehicles if damages exceed $1,000 or if anyone is injured.

Many auto insurance companies offer accident forgiveness, however, either as part of a standard policy or as a separate rider you can purchase. This prevents insurance rates from going up after an accident.

"They will typically forgive your first at-fault accident, so your rate won't increase because of the incident," said Friedlander.

Each insurer handles accident forgiveness differently: With Progressive , a small claim (under $500) won't raise your rates in most states. If you remain accident-free for five years, even a larger accident can be forgiven.

Read our Progressive auto insurance review   

You can also purchase additional accident forgiveness benefits when you start or renew your Progressive auto policy and have one eligible accident forgiven per policy period.  

Progressive Auto Insurance

Progressive offers a number of lines of insurance to allow for bundling, and convenient tools to help you keep your coverage in your budget.

Read our Progressive Auto Insurance review.

While accident forgiveness comes standard with certain policies, a carrier may charge extra for it — as much as 9% of your premium. That's considerably less than the 40% bump you could face after a crash, but it's wasted money if you don't use the benefit. There are also states, like California, that don't allow insurers to offer accident forgiveness. 

How can I lower my insurance after an accident?

If your rates do go up after a crash, there are several ways you can work at lowering them. 

Make changes to your coverage

The first thing to do if you're hit with an accident surcharge is to see where else in your coverage you can make cuts. 

If your state doesn't require personal injury protection or medical payment coverage , you may decide to drop them. And if you have an older car, especially one that is fully paid for, you could consider dropping collision or comprehensive insurance .   USAA has the best rates for liability insurance, but is only available to veterans and military families. Among national carriers, State Farm  has some of the cheapest minimum coverage policies.

USAA Auto Insurance

USAA's auto insurance is limited to service members, veterans and their families but it is available in all 50 states and Washington D.C. In addition to low rates and outstanding customer service, it has coverage options for unique circumstances, such as active deployment.

State Farm Auto Insurance

State farm is one of the largest auto insurers based on market share and has an excellent reputation for customer satisfaction. It offers 13 discounts, including ones for safe driving and young drivers.

Read our State Farm Auto Insurance review.

Another option is Raising your deductible , which usually lowers your monthly premium: Upping your deductible from $200 to $500 could reduce the cost of full coverage by up to 30%, according to the Insurance Information Institute , while upping it to $1,000 could save you 40% or more. 

Shop for new insurance

"The market is so competitive right now, you don't need to be stuck with your current insurer if they hit you with a high accident surcharge," said Friedlander. "You'll get different quotes from different companies, no matter what your driving record is like. It doesn't cost you anything — shopping for insurance is free."  

Geico and Progressive are among our top choices for high-risk drivers, with lower-than-average rates for people with at-fault accidents on their records.

Geico Auto Insurance

Geico coverage and services are available in all 50 states and the District of Columbia and there are 16 different types of discounts available. In addition to the standard coverage options, Geico offers various optional add-ons, such as emergency roadside assistance, rental car reimbursement and mechanical breakdown insurance.

Read our Geico Auto Insurance review.

Look for discounts

"If someone has an accident surcharge, they should try to take advantage of as many discounts as possible," said Friedlander. "There are a lot of different programs you can qualify for [and] you can get significant savings."

Farmers Insurance has 23 discounts available to auto insurance customers, the most of any provider we've reviewed. Not all discounts are available in every state, though, and some can't be combined. 

Farmers Auto Insurance

Farmers Insurance offers a whopping 23 discounts for auto insurance and issue policies in every state except Alaska, Delaware, Hawaii, Maine, New Hampshire, Rhode Island, Vermont, West Virginia and Washington, D.C.

Common discounts include:

• Bundling discount: Getting your auto insurance from the same company that handles your homeowners, life or other policy will often score you a discount. You can save up to 20% by bundling home and auto with Farmers or Nationwide , while Amica says customers can save up to 30%.

Amica Auto Insurance

Amica offers a variety of auto insurance policies to fit your coverage needs. The company also offers a total of 18 discounts, including discounts for bundling and for students.

• Safety device discount : Airbags, anti-lock brakes, automatic seatbelts, daytime running lights and other protective equipment can save you as much as 23% with Geico.
• Defensive driver discount :  If you've been in an accident, a driver's ed course is a good way to prevent another one. American Family Insurance offers drivers 55 and older up to 10% for completing an approved class.

American Family Auto Insurance

American Family offers affordable car insurance with more than a dozen discounts to further lower your premium. While its not available nationwide, American Family offers quotes online or through an agent, depending on your preference.

• Paperless billing: Going online is an easy way to save on insurance. Auto-Owners will offer you a discount if you go paperless and set up automatic payments. 

Auto-Owners Insurance

Auto-Owners offers affordable premiums with high customer satisfaction ratings. There are 12 different types of discounts available, as well as various other types of insurance besides auto.

Improve your credit

Actuarial studies suggest that how people manage their finances is a good indicator of how likely they are to file an insurance claim. So in most states, insurance companies use your credit history to determine your rates. (California, Hawaii, Maryland, Massachusetts, Michigan, Nevada, Oregon and Utah prohibit or restrict the use of credit-based insurance scores.) Paying credit card bills and other debts on time and in full and reducing the amount of credit you're using are simple ways to improve your score and lower your premiums. 

Experian Boost™ is a free service that reports things that wouldn't normally be seen by credit reporting agencies — like rent, phone and subscription service payments. According to the company, users whose scores improve see their FICO score go up an average of 13 points. 

Experian Boost™

Average credit score increase.

13 points, though results vary

Credit report affected

Credit scoring model used.

FICO® Score

Results will vary. See website for details.

How to sign up for Experian Boost:

• Connect the bank account(s) you use to pay your bills
• Choose and verify the positive payment data you want added to your Experian credit file
• Receive an updated  FICO® Score

Learn more about eligible payments and how Experian Boost works .

Buy a different car

After an accident, trading your vehicle for a less flashy ride could easily lower your rates. 

"Insurers base your premiums on how much it costs to repair your car," says Moody. "Even if your insurance has gone up due to an accident, your overall rate should be lower because the insurance company's risk has been minimized." 

Get the best rate for a car loan

How much your rates will increase depends on your age, driving history, where you live and other factors.

How long does an accident stay on your driving record?

Insurance companies generally only look at the past three to five years, though your state may keep a record of your driving for considerably longer. In New York, for example, an accident involving intoxicated driving can stay on your record permanently.

What is accident forgiveness?

Many leading insurance companies will let you have one accident without raising your premiums. You may need to go a certain number of years without a crash to earn accident forgiveness, or there may be a dollar amount maximum for damages in order for the incident to be "forgiven."

Will my insurance go up if the accident wasn't my fault?

A not-at-fault accident could cause your rates to increase, though not as much as if you were responsible. Factors include where you live, the kind of insurance you have, the extent of the damage and if the other driver was fully insured. Some states bar insurers from hiking rates following a not-at-fault accident.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every car insurance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of pet insurance products . While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

*Results may vary. Some may not see improved scores or approval odds. Not all lenders use Experian credit files, and not all lenders use scores impacted by Experian Boost.

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What to do immediately after a car accident

After leaving the scene of a car accident, after the crash: your essential car accident checklist.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Even if you don't plan to file an insurance claim, always get a police report after a car accident.
• Do not admit fault at the scene of a car accident. Work directly with insurance carriers.
• If you have questions, even if it's not about your accident, talk to your insurance agent.

Many people have fears of flying, boats, etc. But in truth, car accidents are one of the most common ways to be injured or die. By definition, accidents happen unexpectedly and often at the most inconvenient times. 

U.S. drivers are involved in car accidents every six minutes, a rate four times higher than in any other country. In an ideal world, everybody would have full coverage car insurance to protect themselves along with their passengers and other drivers. But, even with the best full-coverage auto insurance plan, things can get complicated on the road if you don't know what to do after a car accident.

Whether you're rear-ended during rush hour or spin out on an icy road, remaining calm in the aftermath is essential. Amidst the chaos, your primary goal following an accident is to avoid further injury or property damage.

"When your nerves are working overtime, it's easy to forget what you should do immediately following a car accident," licensed insurance agent Ashley M. Hunter , founding partner of A. Hunter & Company tells Insider. She suggests the following steps to ensure a smooth, hassle-free outcome after an accident.

Step 1: Safety first

Immediately following an accident, you may be in shock. So take a minute if you need to, but get yourself out of the road as quickly as possible. After a highway accident, be aware of your surroundings and position your vehicle well out of the way of moving traffic.

After a serious accident, drivers may not be able to move their car at all. In this case, be aware of your surroundings while you exit your vehicle and move to safety while you await assistance. In either case, turn your hazard lights on to alert other drivers of the accident.

If you or your passengers appear to have been injured, contact emergency services immediately. Individuals experiencing shock may not realize they are hurt. Medical professionals are best suited to assess injuries and provide documentation if needed for insurance purposes.

Dial 911 to dispatch the police to your location. Even in the case of minor accidents, having a police report on record can expedite the auto insurance claims process . More importantly, it protects you by putting the details on paper immediately. No matter how minor, driving away from the scene of an accident is a misdemeanor offense in many states and may carry hit-and-run charges.

Step 2: Exchange information

Once it is safe, exchange information with the other driver(s) involved in the accident: take a photo of their driver's license and insurance identification card. That's the only interaction you need. Discussing the specifics of the accident, particularly who may have been at fault can result in statements used against you.

Once the police arrive, document as much information about the accident as you can remember and note the responding officer's name and badge number. If you have a dash cam, you can provide the footage to your insurance company as needed. The police may also want a copy after a severe accident.

Step 3: Document everything

With safety in mind, take as many photos of your car and the accident as possible. Any cars involved and the damage is important. However, you should also take pictures of the surrounding accident site and any skid marks on the road. The idea is to give a third party an objective picture of what happened.

Photo documentation is the best way to prove the damage to your vehicle after the accident, especially if you have an adjuster who wants to handle your claim over the phone.

Step 4: Talk to witnesses

If there are any witnesses, such as pedestrians, other motorists, or passengers, ask for their names and contact information.

Step 5: Don't admit fault

Car accidents can be stressful, and bumps may arise afterward. Once you've followed the steps outlined above, leave it to the professionals. Even if you think you were at fault, avoid making statements to anyone other than the police or your insurance company. 

"If there are any disputes as to who hit who, or ran into what, (the insurance company) will consult the police report, but they will also look at photos taken at the scene of the accident, which is why photographs are really your friend," says Hunter.

In addition, things like dash cams and other technology can be a saving grace after a car accident. Many newer vehicles also have onboard safety features that automatically dispatch the police and/or emergency services upon impact.

The other driver may also try to contact you, but communicating solely via insurers and other official parties can reduce the likelihood of complications. Unsurprisingly, Hunter is emphatic about one thing: Never attempt to negotiate a car accident or claim directly with another driver.

"The moment you accept payment from a third party that is not your insurer, you void your claim with the insurer, and they are no longer obligated to assist you," she says, underscoring the peace of mind that comes with paying a monthly premium for an automobile insurance policy.

Step 1: File a police report

If the police can't come to the scene, you should still file a police report, especially if there were injuries, significant damage, or a hit-and-run. You could do this by visiting your local police station or filing a report on their website. 

While the police report is hardly a be-all, end-all document, it will help file your insurance claim and determine fault. In some cases, it will also nail down the damage done. For example, if you rear-end someone in traffic, they cannot later claim you damaged the front and side of their vehicle. 

Similarly, if they rear-ended your vehicle, a police report would prevent them from changing their story later. Therefore, a report should be filed even if you don't intend to file a claim (i.e. if the damage is minor or the at-fault party is willing to pay in cash).

Step 2:  Notify your insurance company

Regardless of who is at fault, notify your insurance professional you've been in a car accident as soon as possible. While this does not need to happen from the scene of the accident, it should happen within 24 hours (or, in the case of serious injury, as soon as you can).

Each insurance company is different. Laws also vary state-by-state , with a few states operating as "no-fault" while others apply an at-fault standard. Essentially, state laws tell you which insurer will cover medical bills. In a no-fault state, each insurance company covers its customers. In at-fault states, a judgment has to be made based on evidence provided, and the responsible party's insurance will cover medical costs associated with the accident.

In the days (and sometimes weeks) following your accident, you may be contacted by various individuals, from a claims adjuster with your insurance company to a representative from the other driver's insurance company or the police.

Some insurance companies will direct you to a mobile app to jumpstart your claim. Others will advise you over the phone on the next steps. If you are not at fault and the other party is not disputing anything, going straight to their insurance may save you some hassle as the cost of car insurance may increase anytime your insurer receives a claim.

Step 3: Seek medical attention

If you or your passengers sustain injuries (even minor ones) during the car accident, visit a medical professional. Even if you feel fine initially, some injuries, like whiplash or head concussions, may take up to a few days to appear. 

Step 4: Gather documentation

Your insurer may have different requirements when filing a claim, but most insurers will request the following documentation and information: 

• Names, contact, insurance, and vehicle information of all parties involved
• Location, time of day, and weather conditions when the accident occurred
• Photos of vehicle damage
• Names and badge numbers of any officers at the scene
• A copy of the police report (if applicable)

If you've paid for repairs, medical expenses, or other emergency services out-of-pocket, your insurer will require you to supply receipts for reimbursement.

Step 5: Consider legal counsel

A car accident that involves severe injuries or fatalities may require a lawyer, especially when liability is in question. If your insurance company is denying your claim or offering a low settlement, a lawyer can ensure you receive proper compensation. 

Knowing what to do after a car accident can help protect yourself legally and financially. Regardless of the specifics surrounding your car accident, staying calm and following these expert tips is the best way to ensure a favorable outcome. It can also help you avoid unnecessary and stressful situations.

"The last thing you want to think about is the little things, like having to pay the tow company," says Hunter of why connecting with your insurance professional as soon as possible following an accident is paramount.

Insurance professionals will help you navigate the aftermath, including securing a rental car if needed. Then, you'll be back on the road (with fewer things to worry about).

What to do after a car accident FAQs

Calling the police is legally required in some situations (e.g., injuries, significant property damage, hit-and-run). If you're unsure, err on the side of caution and call the police — they will usually let you know if their presence isn't needed. When the police arrive, they will create an official accident report to assist with your insurance claim. 

You should avoid talking to the other driver's insurance company without your insurer's advisement. Your insurance company should be your first point of contact. They will handle communication and negotiation on your behalf. 

If the other driver doesn't have insurance, your uninsured motorist coverage should protect you. 

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Things Your Car Insurance Company Doesn't Want You to Know After an Accident

Car accidents can be overwhelming, leaving you stressed and unsure of your next steps. Though expected to help, insurance companies often prioritize their profits over your best interests. Understanding things they don't want you to know will help you manage your claim more effectively.

Immediate Steps After a Vehicular Accident

After a collision, gathering as much data as possible is crucial. Take photographs of the scene, exchange contacts, and insurance details with the other driver, and obtain contact information from witnesses. Filing a police report can also provide an official incident record, which can benefit your claim.

Contacting a personal injury lawyer, like Yosha Law Firm , if you happen to be in Indiana soon after the accident can offer guidance and protect your rights. Lawyers can help you grasp the complexities of insurance policies and work hard so you receive fair compensation. Insurance companies often prefer that you handle claims independently, hoping to settle for less than you deserve. 

Let's now see what insurance companies don't want you to know (and do) so they get things their way. 

The True Value of Your Claim

Insurance companies usually make efforts to downplay the value of your claim. They often use algorithms and software to calculate settlements, which might not fully account for all your damages. Medical bills, lost wages, material damages, pain and suffering, or mental anguish should all be considered when evaluating your claim.

Insurers might offer a quick settlement to close the case rapidly. Their first offer is typically lower than what you are entitled to. Hiring a personal injury attorney solves the issue of assessing whether the offer is fair or if you should pursue a higher settlement.

Your Right to Choose Your Repair Shop

You have the right to select the repair shop for your vehicle. Insurance companies often suggest using their preferred shops, implying it's mandatory. These preferred shops might use cheaper, non-original parts to keep costs low, potentially compromising the quality of the repair. Always remember that you can choose a shop you trust to do the repairs correctly.

Recorded Statements

Insurers will most likely ask you to provide a recorded statement soon after the accident. They often present this as a standard procedure, but recorded statements can be used to undermine your claim. Adjusters might ask leading questions to elicit responses that could be interpreted against your interests. It is wise to decline to provide a recorded statement until you consult a personal injury lawyer.

Pre-Existing Conditions

Insurers often scrutinize your medical history for pre-existing conditions to reduce the compensation amount. Most insurers usually claim that your injuries result from something other than your accident; thus, they are related to previous conditions. Detailed medical records and statements from your healthcare providers can help counter these arguments. Your personal injury lawyer will ensure they present the necessary evidence to support your claim and even make a claim for long-term disability if the accident was catastrophic.

The Role of Independent Medical Examinations

Insurance companies might request an Independent Medical Examination (IME) to verify your injuries. While termed "independent," these examinations are often conducted by doctors chosen by the insurer, potentially biasing the outcome in their favor. Understanding your rights regarding IMEs and having your medical documentation can help protect your interests.

Delaying Tactics

Insurance companies sometimes use delaying tactics to pressure you into accepting a lower settlement. Delays can cause financial strain, especially with mounting medical bills and lost wages. Knowing this, they might hope you settle quickly out of desperation. Staying patient and persistent is the key to receiving the compensation you deserve.

Full Coverage Misconceptions

"Full coverage" doesn't always mean complete protection. Full coverage usually includes liability, collision, and comprehensive insurance, but it might not cover all expenses related to an accident. Additional coverage, such as uninsured/underinsured motorist protection, medical insurance, or personal injury protection , may be necessary to fully safeguard against all possible costs.

Are You Ready to Go Against Insurers?

Awareness of these critical points can significantly influence the outcome of your car accident claim. Insurance companies prioritize their financial interests, often at your expense. Being informed and proactive, including consulting a personal injury attorney, will take you toward fair damages and settlements. Understanding your rights and the tactics used by insurers can empower you to make better decisions and protect your interests after an accident.

This post is provided by a third party who may receive compensation from the products or services they mention.

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Steps to take when you are in a car accident

Updated July 3, 2024, 3:45 p.m. | By Poelano Malema

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If you find yourself in a car accident, this is what you need to do...

There are roughly 2,200 crashes daily in South Africa, according to a News24 report published in 2022. 

The chances of being involved in an accident are not only dependent on you driving safely, but those around you doing the same. 

This is why it is important to know which steps to take in case you are in an accident. 

Stop your car

It is important for you to stop your car, regardless of how small or big the accident is, and check the damage. If you are involved in an accident with someone, take down their personal details such as ID number, car registration, etc. 

Get statements from other witnesses

When you are the one involved in the accident, you might miss certain details of what transpired. This is why it is crucial to get details you might have missed from others who saw the accident take place. 

Record as much information about the scene as possible

You will need to report the accident to the police. 

Apart from your personal details, you will be required to provide details of the person you are involved in the accident with. 

Write down the ID number, address, cell phone number, email, and licence disc details of the person you were involved in an accident with. 

Capture the date, time, and address of the accident. Also, take note of the weather and road conditions when the accident occurred. 

Take photos of the scene from different angles. 

READ:  Scary car accident shows why airbags and seatbelts are vital

Report the accident to the police

Depending on the type of accident and the severity, you might need to go to the police station or wait for the police to arrive on the scene. 

If you are injured or someone is injured, call an ambulance and then call the police and wait for them to arrive at the scene before leaving, unless your life is in danger. 

Give the police a report or statement about the accident. Remember to ask for a copy of the statement and write down the name of the police officer who helped you. Also, record the accident report’s reference number.

Do not move things

Do not tamper with things at the accident scene by moving or throwing away things. This can get you into trouble. 

Submit a claim with your insurance company

Lodge your claim with your insurance after opening the case at the police. 

Submit a claim with Road Accident Fund

Depending on the nature of the accident, you might receive payment from the Road Accident Fund (RAF).

READ:  This accident reminds us to always be cautious on the roads

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Uber Accidents: What To Do After Being in a Crash

Uber is one of the world’s most popular rideshare services. The app had between 130 and 150 million users for each quarter in 2023. It currently dominates the market in the U.S., holding approximately three-quarters of the market.

Uber can offer convenience and serve as an effective means of transport for people without a vehicle or those who don’t want to drive for whatever reason. However, you are still exposed to the normal hazards of the road when you get into an Uber, and as a passenger you’re going to need to be proactive with collecting information at the scene.

Rideshare accidents can occur just as often as other road incidents. Some Uber drivers engage in unsafe practices, like scanning for their next fare on their phone as they drive you to your destination. Issues like driver fatigue may also play a role in Uber safety.

You might be confused about how to react in the event of an Uber accident. Questions might arise. Do you need to take the same steps as you would if you were behind the wheel? How can you establish liability if you weren’t driving?

Most post-accident steps are the same whether you’re a driver or passenger. However, there are a few differences when it comes to Uber accidents. Here’s a closer look at how to respond after a rideshare collision to protect yourself physically and legally.

Does Uber Cover Accidents?

Uber requires drivers to have insurance for their vehicles. However, the company also has a commercial policy that provides coverage to any passengers or pedestrians who are injured as the result of the negligence of a rideshare driver.  Additionally, recent changes to ORS 742.520 now require all rideshare companies to provide Personal Injury Protection insurance to cover at least $15,000 of medical expenses incurred by any driver, passenger, or pedestrian regardless of fault.

Steps to Take After an Uber Car Accident

Being in an accident is stressful, but it’s important to remain calm and take the correct steps. The following actions will help with the insurance claim process and, if necessary, the subsequent personal injury case.

1. Get to a Safe Area

The first step after an accident is to get to safety. A safe area would be on the shoulder of the road and away from fire hazards. If it’s safe to do so and the vehicles are driveable, ask the Uber driver and other drivers involved to move the vehicles to the shoulder and turn on the hazard lights.

2. Attend to Injuries

You should always assess yourself for injuries after an accident before you take additional action. If you are experiencing serious bleeding or suffered a head or neck injury, discontinue any further steps and seek emergent medical care. If you determine you are not in need of emergency services, assess others for injury and summon medical assistance if necessary.

3. Call the Police

In Oregon, the driver needs to call the police and report the accident if the vehicle sustains more than $2,500 in damages. If there are injuries, you should call 911 immediately.

Also, a police report could be vital for a personal injury case. Even if you aren’t the person required to do so, you should call the police. Their report for the accident could be critical evidence for your case and any negotiations with insurance companies.

When the police arrive, provide a clear explanation of what happened before and during the accident from your perspective.

4. Collect Contact Information

If it’s safe to do so, you can begin collecting information from those involved in the accident, even if you weren’t the driver .  Both passengers and drivers need the identifying and insurance information from all drivers of any motor vehicles involved in the collision. Many states, including Oregon, are “at fault” states . This means the person responsible for the accident or their insurance carrier must cover damages for all injured people.

You need to know the identity and insurance status of every driver involved so that you have the best chance to pursue compensation if needed.

Here’s is the information you should seek:

• Full name, address, and contact information (such as a phone number) for every driver involved;
• Driver’s license number and insurance company information, including policy number;
• Make, model, and license plate number of the vehicles involved;
• Names and contact information for any witnesses who saw the accident.

Pro tip: take pictures of all of the drivers’ licenses and insurance cards with your phone.

5. Take Photos

In addition to taking pictures of IDs and insurance cards, you can also photograph the accident scene and damage.

Lawyers and insurance companies may rely on photos, as well as police reports, as evidence during negotiations and civil litigation.

Here are some key things to photograph:

• The damage to all vehicles involved, including dents, scratches, or deployed airbags;
• The surrounding scene, including traffic lights, street signs, and any visible skid marks;
• Any injuries you sustained.

You should only take this step if it is safe to do so, after you’ve called the police, attended to your own injuries, and checked others for wounds.  Do not impede traffic to obtain photos.

6. File a Report to Insurance

If necessary, you will file insurance reports with your insurance company, the Uber driver’s insurance company, and the at-fault driver’s insurance company. This initial contact lets the insurer start the claims process.  Each insurance company will assign a claim number – write them down.  You can provide your identity and any evidence, such as a police report number, which you may get from law enforcement at the scene.

The insurer may ask for details, such as policy numbers for the drivers and the date and time of the accident. They may also ask the extent of your injuries. Decline to speak about your injuries or medical treatment until you have had an opportunity to speak to a skilled personal injury lawyer.

7. Make a Report to Uber

You can reach out to Uber to report the accident on the app or website. This serves two purposes. First, it creates an official record of the accident within Uber’s system. They can investigate and take any necessary actions against the driver. Secondly, reporting the accident creates a paper trail that you can use if a civil case becomes necessary.

8. Consider Contacting a Lawyer

There are a couple of reasons you might want to contact a lawyer after an Uber accident. The driver’s insurance company may try to settle quickly for less than you need to cover medical costs or injuries. A lawyer can handle negotiations for a fairer settlement. They can also help build a case should insurers, Uber, or the other drivers fight against your claims.

An experienced personal injury lawyer can also help you decide the best course of action to take to seek a fair settlement after your accident.

These steps will help you get to safety and protect you physically after an accident. They can also aid you as you pursue fair compensation for injuries or damage you suffered due to the incident.

• Car Accident
• February 07, 2023 Why It’s Vital to Report a Rideshare Accident Read More
• December 01, 2022 The Most Common Causes of Rideshare Accidents Read More

• The Buzz on Florida Politics

Insurance giants are ‘stiffing’ customers in Florida, report says

• Lawrence Mower Times staff

TALLAHASSEE — Floridians filing a homeowners insurance claim had the lowest chance in the 50 states of getting a check from their insurer in 2022, with more than a third of claims going unpaid.

And last year, those filing claims with two of the state’s largest, healthiest companies — subsidiaries of State Farm and Allstate — had the lowest chance of all.

Nearly half of all claims closed by those companies last year went unpaid.

That’s according to data released this week by Weiss Ratings , a Palm Beach Gardens-based ratings agency with a history of critiquing the insurance industry .

“The big picture conclusion is that the insurers in Florida are stiffing their customers,” company founder Martin D. Weiss told the Tampa Bay Times/Miami Herald Tallahassee bureau.

Why the larger insurers have the highest rate is not clear. One former Texas regulator said it could be because homeowners believe their policies cover more damage than they really do. After years of legislative and regulatory changes , many policies today cover less than they did five years ago.

The information on payments comes from reports filed by the companies with state regulators and a national association — data that is not released to the public.

Regulators across the country collect troves of data about the performance of companies. It is assembled by the National Association of Insurance Commissioners. Companies have claimed some of the data is a trade secret, and the association has resisted efforts at more transparency.

Weiss says his company posts the information it purchased from the National Association of Insurance Commissioners on its website for Florida-specific insurers .

“A consumer, before buying a policy from a company, should know right up front what percentage of claims are being denied,” Weiss said. “We’ll be glad to make that number public, but we’d much prefer either the authorities or the company do that job.”

Allstate, State Farm lead pack

Weiss Ratings released data to the Times/Herald on 40 companies that primarily or exclusively write homeowners insurance policies in Florida. It does not include state-run Citizens Property Insurance, the state’s largest insurer, which does not report its data.

Castle Key Indemnity Co., a subsidiary of Allstate, last year closed 47% of its claims without making a payment, the highest rate in the state. Its sister company, Castle Key Insurance Co., was third, paying nothing on 46% of the claims it closed.

State Farm Florida, a subsidiary of the national company, was second, with 46.4% of its claims being closed with no payment.

Among the 40 companies in Florida last year, half did not pay on at least 30% of claims.

The two companies have been historically at the top of the pack the last few years. In 2021, and 2022, State Farm closed more than half of its claims without making a payment. Two years ago, so did both Castle Key companies.

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A separate set of national data from two years ago, the most recent year available, shows that 35% of all Florida claimants received nothing. Only insurers in Washington, D.C., and Puerto Rico had a higher rejection rate.

Many of those who did get paid had to wait a long time. In 2022, Florida had the second-highest rate of claims paid after 60 days. Only Louisiana had a higher rate.

The fact that two of the state’s largest companies topped the list surprised Weiss. He expected the small, Florida-based companies that dominate the market and insure the state’s riskiest areas to have the worst rate of paying out claims.

Several of the smaller companies have been cited for poor claims-handling practices, such as Tampa-based Heritage Insurance, which was issued a near-record $1 million fine by the Office of Insurance Regulation in May for how it handled Hurricane Ian claims. (Heritage’s rate of claims closed without payment was 31% last year.)

State Farm Florida, by comparison, is known to insure safer inland homes built after the enhanced Hurricane Andrew building codes took effect.

With the backing of national companies, State Farm Florida and Castle Key are critical to the stability of Florida’s shaky insurance market. State Farm Florida is the second-largest insurer in Florida with about 650,000 homeowners policies. Castle Key Indemnity Co. is ninth, with about 230,000 policies.

A spokesperson for State Farm said Weiss’ data is not accurate. By focusing only on closed claims, a spokesperson said, it doesn’t include a smaller subset of claims left open at the end of the year. The company had about 3,100 open claims last year.

State Farm spokesperson Roszell Gadson would not say what the accurate figure is.

“As an organization, we take pride in our customer service and are committed to paying what we owe, promptly, courteously, and efficiently,” Gadson said.

Allstate said the data did not match their own internal figures for the percentage of claims closed without a payment. For Castle Key Indemnity Co., the rate was 34% last year, and 23% for Castle Key Insurance Co, according to their numbers.

“We protect our customers, and our claims processes help them recover by quickly providing fair payments based on their selected coverages, like deductibles and coverage amounts,” the company said in a statement.

What’s behind closed claims?

There are many reasons why a claim might be closed without payment, said Florida Office of Insurance Information spokesperson Samantha Bequer.

The damage could be below the policy deductible or not be covered by the policy, such as situations in which flooding caused the damage. The policyholder could also have withdrawn the claim, or it could be a duplicate.

The data reported by the companies and provided by Weiss Ratings doesn’t give any reasons.

“We caution against using the data to draw conclusions or make analyses regarding Florida’s insurance market,” Bequer said in a statement.

Florida’s insurance companies and state lawmakers have long blamed frivolous claims and lawsuits for causing the state’s insurance crisis, but neither Bequer nor the insurance companies blamed those issues for rate of claim denials.

Weiss said he believes the high rate of denying claims could be a business strategy.

“I have yet to find any other explanation for it,” he said.

There could be several reasons, but it’s more likely that policyholders are filing claims believing they have coverage when they don’t, said Birny Birnbaum, executive director of the Center for Economic Justice and a former chief economist at the Texas Department of Insurance.

He said that’s an issue that regulators could address by rejecting policy forms that might be “misleading or obtuse or deceptive.” They should also be looking at policy provisions that are unfair, such as requiring mandatory arbitration or exorbitant deductibles that hollow out coverage.

Birnbaum said regulators years ago should have been analyzing claim denials and proposing remedies. (Florida regulators last year pushed for legislation giving them more oversight over how companies handle claims .)

“These are extraordinarily high numbers of claim denials,” Birnbaum said.

Data remains a secret

Bequer, the Office of Insurance Regulation spokesperson, said the office couldn’t comment on the data because the information was a trade secret that had to be protected under state law.

Regulators across the country and insurance companies have repeatedly fought the release of detailed information about how insurers handle claims, Birnbaum said. Even simple but important information, such as the average homeowners premium in every state, isn’t released until three years later , when it’s no longer useful.

Birnbaum said the office’s secrecy was hypocritical. When former Florida insurance commissioner David Altmaier was president of the National Association of Insurance Commissioners, he used “secret” data on insurers’ rates of litigation and released a report claiming that Florida made up 8% of all homeowners claims and 76% of all litigation against insurers .

That report became the basis for Gov. Ron DeSantis and the Legislature to pass sweeping reforms making it harder and more expensive to sue insurance companies.

Altmaier never publicly released the underlying data supporting the study, however. He now lobbies on behalf of insurance and financial services companies.

Birnbaum, who was a consumer advocate at the association for 25 years, said consumers need more information.

“People buy insurance for a promise of the future,” Birnbaum said. “And if company X denies 20% and company Y denies 50% of claims, you can bet consumers are going to go to company X.”

Lawrence Mower is a Tallahassee correspondent, covering politics and the state capitol. Reach him at [email protected].

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